So what are the benefits of an AMEX Gold card compared to Venture X? I use my rewards points mostly for booking traveling and the occasional purchase erased for large gifts. I also like the capital one shopping perks.

For reference I put around 100K a year on my card and pay it off before it’s due every month.

I’m thinking about adding the Amex gold to use for all grocery and non travel purchases and putting all travel on my Venture X card. 4x points on groceries and restaurants feels like I’m throwing money away by not having an AMEX Gold

Venture X benefits I know:

10x points on hotels/flight
5x points on rental cars
2x on everything else
$300 annual travel credit
10,000 annual free bonus miles

This post was edited on 11/16/23 at 8:37 pm

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Posted by Teddy Ruxpin

Member since Oct 2006

39622 posts

Posted on 11/16/23 at 11:44 pm to Breesus

Amex Gold isn't really a benefits cards since it's only $250 fee a year.

$120 is offset by Uber
Another $120 by GrubHub and a few other avenues.

So for $10 if you max those credits, you get a good MR earner with the 4x dining and groceries, and 3x on airfare.

It makes sense to have if you want MRs via spend.

However, do note that Amex has recently added language where one can get the Amex Gold bonus and then earn a Platinum bonus if one wanted, but one could not do that in the opposite direction (Plat then Gold), so if you're trying to accumulate sign up bonuses it may even behoove you to start even lower with Amex Green, for example, though I don't recall off my head if Green has had its language updated.

Anyway, not trying to sell it to anyone. In my view, one should get cards/points with a goal or redemption in mind. For example, I need 300k MR to get to Africa/Bali/whatever in business class in two years. Otherwise, many people would be better off with cash back. But for me, since it's basically $10 it's a no-brainer.

This post was edited on 11/16/23 at 11:47 pm

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Posted by Lsut81