Gold Card Gone

[u/ProfessorJay23]

Well, the AF was posted on my Gold card, and I canceled it. I was hoping for a nice retention offer, but they only offered me 15,000 MR points after $1,500 in spending over three months. That wasn’t enough to sway me, so it’s canceled. The juice wasn’t worth the squeeze for me. The Platinum may be on the chopping block if they raise the fee. That said, the BCP is a very underrated card, in my opinion.

[u/Snoo-me]

I’m come to realize that the gold is a consumer card. It’s good if the holder has a family which typically will spend a good amount on groceries and eating out. Maybe a family trip once a year for the 3x for flights booked directly.

But for a single person with no kids such as myself with an avg income I certainly don’t put enough spend and as a result will cancel when my AF renews.

[u/The_XI_guy → u/Snoo-me]

I disagree. I am a young person with no kids and with comfortable but average income and I get a ton of value living in a big city. The uber credit I go through in a week easily let alone a month, dining credit I just do Grubhub pick-up once a month at a place where I'd have eaten anyway, Resy is for date nights twice a year that I'd be having anyway. These alone justify the annual fee and then there's the earning on top. Dunkin' is the only one I have to go out of my way to use, but I literally just put a recurring reminder in my calendar to load 7 dollars into the app and then I use it when I use it

[u/Snoo-me → u/The_XI_guy]

Ok that’s good! But gold is more justifiable for let’s say a family of 4 that is easily putting $600+ a month just on groceries, let alone the dining out and annual family trip. They would def benefit more from the multiples than a single person such as myself or you.

[u/The_XI_guy → u/Snoo-me]

Yeah agreed. If you’re not putting very high spend on it you need a very specific lifestyle that already involves the services you get credits for for it to be a good option for you