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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]The Platinum would probably only earn around 120k to 160k points on the exact same spending since most purchases only earn 1x.
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Yeah the Amex Plat is an absolute s-it card for everyday spending after you hit the bonus.  Anyone using it for daily spending is a fool, especially when you can get the category bonuses like PP mentioned on the Gold, or just a flat 2x on the Blue Business Plus.[/quote]
We use a Platinum for 5x on flights and hotels, Gold for 4x on groceries and dining out, and a BBP for 2x on all else. Simple and works for us.[/quote]

Do you manage to offset the $895 and $325 fees? [/quote]

The Gold card is easy to offset with x4 multiplier on groceries, it's a reliable point earner.

The Plat is a bit of a stretch past the first year.  You have to value the benefits to keep it, and it's okay if you don't.  The only real earner there is flights with a x5 multiplier.   I fund the United Travel Bank (now have to find something else), I take biannual staycation girl nights with my daughter at either Hyatt or Salamander in DC (the only hotels with indoor pools), I use Uber credits for monthly takeout, I use streaming credits, I use Walmart + for delivery. Use Lululemon for odd gifts.

You can dip your toes if you want by getting a Platinum in mid-December.  Benefits reset every calendar year so you can triple dip and then cancel mid-January 13 months later. [/quote]

But with the Gold Card, even if you spend $15,000 on groceries, wouldn’t you only net $275 after the annual fee vs $300 from using a no-fee Wells Fargo card with 2% cash back? Or do you value the Amex more highly than that?[/quote]

$15k in groceries is 60k points, which is one roundtrip economy trip to Europe, at a minimum, and two round trips if you’re lucky.  This beats cash back. But you have to value travel to see it this way. [/quote]

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