NEW Amex Gold Card - HUGE Update
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- Опубліковано 6 лют 2025
- In this video we’re looking at the recent changes to the Amex Gold Card. The American Express Gold Card is one of the most popular credit cards on the market, but with its new $325 annual fee, it might not be the best credit card for you. We’ll go over some of the details of the new Amex Gold Card here.
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I think I’ll be canceling this card. What a bunch of useless credits. I was on the fence at $250. $325 is a deal breaker.
Me too, I'll probably DC it before renewal
I don't blame you
can you downgrade it to a no annual fee card? i think that would be best
@@bloodz0rwait until after the annual fee hits then cancel within 1 month so you don’t get blacklisted
@@kamprikorn I think you can downgrade to a $95 annual fee card or whatever the blue rewards card costs. Maybe $150? Not sure.
They should’ve brought back the $100 airline credit. That’s all we asked for.
Or at least priority pass 😅
Oh yea that'd be pretty good. Would make a lot more sense
Back when we could use it to buy a $100 gift card from any airline was the BEST time to have that airline credit.
I feel like they Amex should have respected its current members by honoring the $250 annual fee and only charge the new fee of $325 to new members/applicant’s
Yeah at the very least they could have extended it so that every current cardmember was locked in at $250 for 1 year. This change is consistent with what they've done with past AF increases, but still will make a lot of current holders reconsider it
@@Daniel_Braun Im locked in for 250 until 2025. My renewal is this month, but after calling Amex, I was notified that the 325 kicks in next year. However I have access to the current updated perks. All that to say I will downgrade to the Green. Not worth keeping it.
I literally was thinking they could actually do that. But unfortunately people can’t keep their big mouths shut about things and the first thing they’ll do is brag to someone that they only pay 250 vs others at 325. Amex is just eliminating the controversy between customers etc
I think I'll keep my Amex Cash card. the 3% on groceries and gas is why I use it. I was considering getting gold but I failed to realize they can jack up the annual fee whenever they want. I'll just stick to a card w/o a fee.
@@kennygee2715I think I might downgrade mine to the cash card and go chase tbh
I think if the credits were all given upfront or at least you’re given the option to save them every month, that would make the coupon book much more worth it
Full heartily agree
Yes, this is basically the scam of these cards. $325 to forget that you had to spend $7 on Dunkin coffee each month to make the card worth it. Amex is getting worse and worse every year.
You can load a Dunkin gift card with $7 per month. It’s a hassle but could be used while traveling
They do it because they know nobody is spending $10 on a meal, you’re going to go over that. If the credits could be saved you wouldn’t overspend.
Exactly. The fact that the credits expire each month basically makes them worthless. $7 of Dunkin credits? $10 for Uber? Come on... this is blatantly a scam. I received an offer through the mail and was thinking about applying. I'm glad I decided to do some research first. I'd rather go with the Chase Sapphire Preferred instead. It's obvious why people are calling Amex the Apple of credit cards. You're just paying for a status symbol at this point.
Wow get this. I went to my local Five Guys and I thought the guy charged me three times because the receipt wasn't printing and I swiped three times all approved. A girl comes over and says we don't take American Express, I go what, but you have a big promo with Amex.
I’ll bet you feel like a sucker.
Wtf is ur point? This is an amex video, not 5 guys
@@MyspacHor911 Ask Sebby or Daniel
@@MyspacHor911ok dumbo
@@MyspacHor911amex has promo with 5 guys dickhead
Amex became a fad around 2020. They are making record profits and are now getting a big head. Let’s see how it plays out
It’s also annoying knowing that every few years Amex will increase your AF. Won’t be long before this card is $500
Bro it's been 6 years since the last increase. $250 in 2018 is worth $313 today, so the AF has pretty much kept up with inflation, plus at least they added up to $184 in new credits. Stop being a baby.
@@schm147 the citi card never increased its price the CSP never did. And those coupons are joke to make people overpay. No matter how anyone slices it the true cost of the card is likely over the $350. Also AF doubled in 8 years, so in 8 years safe to say card will be $600. You can keep your blind fold on if you want to but Amex has been dropping the ball the past few years with devaluation and coupons
@@schm147why are you defending a company?
@@schm147 And why have most of the other annual fee cards _not_ increased their annual fee?
@@schm147that inflation increase is crazy
So, instead of increasing the multiplyers to 5x they decide to cap them and raise the fee 🤔 yeah no, that's not gonna fly with me
The Dunkin Donut credit is just so pathetic. I refuse to drive to dunkin donut just to redeem a $7 credit 😂 what the hell is AMEX thinking? 🤔
A classic donut and a large iced coffee is $7.09. What are you thinking?
💯
@@codewithwings yeah... im gonna go out of my way with my $325 a year amex gold card and go in to a dunkin donut to redeem a pathetic $7 credit. Maybe if it was a Starbucks credit. Not a ridiculous freaking dunkin donut 😂
@@randallraines6553 They both suck but i can easily get more value out of a dunkin credit. 7 is weak, 10 would have been nicer and dunking donuts is a weird choice but is it really that hard? At least depending where you live theyre everywhere, and there's something for anyone at one
@@randallraines6553right? I’m not a child. Dunkin’ Donuts?
They added the cap on groceries because Mr. Beast was buying out whole stores
*Spending $1000 on 1 grocery store vs Spending $1 on 1000 grocery stores*
He has a lot of people to pay off so he needs all savings he can get.
I was pleasantly surprised at how many restaurants in Chile and Argentina accepted my Gold Card last month. And I used the 3X flights for Aerolíneas Argentinas and LATAM.
$325 for a non-travel card is unacceptable. With the Venture X priced at $400, it makes no sense to have the AMEX Gold
What about getting 200k a year in points between grocery stores and meals.. say you use half the credits still not a bad deal IMHO
@mikebuchholz347 i get my groceries from Costco and my sapphire preferred gets 3x on dining. It just doesn't make sense at that price
@@StanEscobar If you ever need anything on Chase Travel.. its outsourced.. absolutely terrible compared to Amex Travel which they own..
Who does Venture X have as a travel partner to transfer points to?? Never thought Capital One had legit partners I could be wrong.
I eat out a lot and go to bars. For me its absolutely worth it. I hardly travel enough to make a venture x worth it for me
This seems to be contrary to the rest of the comments but these changes make the card so much better for me. I wasn’t able to use the dining credits at all before but now with Five Guys I can. And the Resy bonus will be maxed out for me. Like you, I prefer the smaller coffee shops but there is a Dunkin’ a few blocks from me so it’ll be a little free treat every month. I went from a $130EAF to close to $0 now. And the white gold is cold 🥶
Thank you. I was on the fence myself but for someone who uses Grubhub, Uber eats monthly and go to Dunkin every Saturday. This card is a no brainer. I also saw my fave restaurant on Resy so I quickly applied 😂
Looking good, Daniel! :) I'me excited for this update overall. Yes of course the white gold... but even with the WEIRD $7/mo Dunkin credit (nowhere near enough locations here in California to be useful for such a small credit), but I'm still getting positive value over the AF. Wish we had more RESY places too, but it's not too bad where I am, so I'll be inclined to try a few new places, which could be fun. Thanks as always dude!
Great info once again. I find AMEX points more difficult to use than other card ecosystems. Plus the coupon book style credits make my Platinum and my wife’s Gold more complicated than I want it to be.
I get Shake Shack regularly so I was guaranteed to get half the old annual fee back and could usually force myself to use the uber eats so I could break almost even. Now only the $100 Resy is my sure redemption and that’s less than a 3rd of the new fee. I chatted with them and was able to get a retention offer that basically covers me when I renew at the old fee next month. I’ll see how this year goes then decide come next renewal. One of my main (vain) motivations for the card was the rose gold color, now I’m tempted by the white gold.
How does the retention offer work? I currently have the Amex card for Less then a year and thinking of canceling. I use the card regularly
@@akcristianv9152 I chatted with them and explained that I planned to shop around for a new card because the benefits no longer made the fee worth it for me. After a little back and forth, they offered me 25000 points after spending $2,000 over the next three months. I opened my gold card in 2022
did they get rid of shake shake ??
I like the video how it is with less editing. It’s more natural and the cuts don’t stop the flow
Definitely cancelling this card next year. Lucked out and renewal is in September. At $250 I wasn’t sure but we eat out enough and spend on groceries recently. Was easily enough to cover the fee plus extra. Living in rural Kansas there is literally nothing this car offers for you outside the 4x points.
I actually got a question about just this! I contacted Amex and they notified me that I were to get charged the new fee of 325 even though my renewal date is in September. They explained that the renewal charge is in October thus triggering the new annual fee charge. So I’m very confused
Does canceling the card hurt your credit score?
@@lukevrijland1551 closing a card will effect your average credit age which does hurt your credit score. if you've had the card for a long time it will hurt your score a good bit at first normally
@@lukevrijland1551yes closing an account will cause it to go down a bit.
Shouldn't you downgrade the card instead of closing?
Man i was about to apply for it but now with the new update, I wouldn't get much value from it apart from the groceries and dining benefit. Shame
It all works for me… but I live in Manhattan most of the year. While I find the Dunk’s credit weird, I get a Sausage croissant there once a month, I’m sure. The Resy credit is fine. I eat out pretty often. Just means I have to pay attention to who is on Resy. Five Guys is better than Shake Shack IMO… but I frequent both at least once a month. Would prefer the lower fee but the new coupons are fine.
Agreed, living in a big city definitely helps with these credits.
Amex is such a coupon book. I couldn’t use them in Asia and was shocked at how little Europe has adopted them. Bilt 3x dining with good transfer partners is so much better. Citi customer cash for 5% groceries
Citi custom cash for gas, AAA daily advantage for groceries. Bam
Current cardholder locked in w/ the $250 annual fee. Plan to keep for 1 additional year then cancel. New credits aren’t useful for me.
Same
I have to ask, why did you get the card in the first place? What were you planning on doing with your points when you got the card? I dunno about you but I got the card to save hundreds of dollars on flights by transferring points. If you got this card to turn the points into statement credits or gift cards then you got the wrong card.
Totally worth it to ask for a retention bonus after this fee hike. There are plenty of other Amex Offers throughout the year to help offset the annual fee, too
I had the "highest ever" bonus points 75,000 ($4k in 6mo) when opening this card in 2021, now this 100K "highest ever" offer is lowered 11% value. I'm calculating by $1=18.75 points in 2021 offer, now it's only $1=16.66 points. AMEX would have to give 112500 points for $6K spendings to match 2021 "highest ever" offerings.
Well sadly i will be canceling my gold card😢
i literally just applied and got approved yesterday. now today it all changed
same lmao.
At least ur paying $250 for $240-$400 credits for Y1. Plus that sign up bonus 👀
@@faizpkmn129 update, I got the credits but did no t get the improved signing bonuses 😕 but honest review if your using the credits to pay the card off it’s worth it
Feels like they are increasing the fees of the Platinum and Gold, so they can introduce a lower end card with an annual fee around $150.
Wouldn’t be surprised if we see a “Silver/Bronze Amex” in a year or so.
Is that the Amex blue?
@@CP-jh8jl amex blue is similar but it’s cash back only. They’ll likely release a similar one in the future but for points like the Gold and Platinum.
@@CP-jh8jlgreen
What about the green?
@ i’d say the green is a lower end version of the Platinum. If/when Amex introduces the new one it’ll probably be a lower end version of the gold, probably half the points the gold gets on restaurants and groceries.
The Dunkin credit is the most baffling thing to me. Something like Starbucks would have made way more sense. There are no Dunkins in the northwest section of the US where I live. Zero. I’m closer to more Tim Hortons than I am any Dunkins.
Adding insult to injury, Dunkin doesn’t even sell their own coffee online. You are directed to buy it through third parties like Amazon or Target. Which is just crazy. So I can’t even use the credit that way.
At the very least I would load $7 onto the dunkin app. I don’t necessarily go there all the time but it could potentially be a credit you can save up over time and use it. I’d be hard-pressed to say this reduces my EAF but i see it as some extra dunkin cash.,
@@faizpkmn129will that actually work?
About as baffling as giving Walmart+ to their Platinum cardmembers
If I’m not mistaken, an Amex insider said that over 30% of Gold card holders use the card at Dunkin’s. That’s why they went with the credit, over a third of their customers will use it. As weird as it may seem they’re not just throwing crap at the wall to see what sticks.
That's part of their calculus. They don't want everyone taking advantage of every credit. They wan you to just under break even. Just like they want you to carry a balance. They are essentially working against you so it's up to us to pick the right cards in-order to win.
As soon as I saw this new Amex update this morning, I quickly got on your channel to see your opinion on all of this! Thanks Daniel!
The whole Resy thing is a pain. Their website sucks to use. It isn't User friendly if you live somewhere like CT. Also if they went the Starbucks route instead of dunkin it would have been better.
I saved 170$ in statement credits using the Amex offers. I earned 189k points first year with 90k sign on.
I use all the Uber credits. I’ll start using the dunkin. My card renewed today at 250 so it’s staying in my wallet for another year.
Hey Daniel. My Gold renewal comes up in September. For the reasons you mentioned, I’ll probably be canceling the card, even though the white gold looks cool. But, I’m getting 5% back on restaurants with one of my Custom Cash cards, and 5% back on groceries with my second Custom Cash - all for no annual fee. It makes it tough to justify the Gold, even if it provides MR points. Thanks for the good video.
FYI if your renewal is before 10/1, you'll renew at $250.
@@shrimpboychan Thanks.
How do i get a second citi custom cash ?
I applied for one directly. Then, I product changed my Double Cash to a Custom Cash.
@@anthonygardner400how long to wait after having the card to product change to another custom cash
For the $120 dining credit, if I didn’t find a use for the $10 that month, could I just buy a $10 gift card and the gold would use the credits to pay for it? Might be a good way to get around the use it or lose it restrictions, but I don’t know is how it works for those who do have it right now.
Over here in Belgium we get a really decent insurance package with the Gold Amex. That on top with them being one of few giving those extra credits makes it almost a no brainer for people who travel up to a couple of times a year. Strange how in their core market it’s such a worse deal.
I canceled my Gold card. It's not for me, especially with the higher AF and additional credits. The only regret I have was not keeping it until I could get the white gold design first, but it was getting canceled either way!
I’m also going to cancel my gold in November when the annual renewal hits. At least I’ll try the white gold for a few months ha. What was Amex thinking with the Dunkin’ Donuts credit?!
😂 Who are they targeting!!
How much did it effect your credit score
@@runforrestrun2428My annual fee is up in November too. When I should I cancel the month of November or before?
I work graveyard shift and pick up breakfast in the morning on the way back home. Dunkin actually has some good breakfast options, so I am happy to buy a wrap once a month from there.
As someone from nyc,even though the up front fee is more,the credits are so essy to use here,but now it does make me double think canceling the platinum and keeping this and the preferred card
Even without Dunkin’ I’ll still get positive value thankfully.
These credits are hilarious
I’ve had a gold card since 98. Not sure I can justify keeping it any more 🙁
i was born in 99, just got one this year and will be cancelling :(
98? They should waive your annual fees for being a loyal customer.
I keep seeing just the 90,000 bonus. I’ve been debating the gold delta sky miles card it has an 80,000 mile sign on bonus with no annual fee the first year which seems incredible IMO
No annual fee for military so I’ll probably get it I have the platinum too
My annual fee just posted this month so I am locked in at $250. The new credits don’t really work for my spending habits. I will keep card for this year and will be canceling after.
I think i'm doing the same. My AF hits before the October 1st deadline so i'll give it the extra year most likely
I was on the fence about getting the Amex Gold for the past few weeks. So glad I didn’t.
Don't sleep on the dining credit, i use to stop in Shake Shack every month and buy a gift card, only eat there once or twice a year, so had a stack of gift cards in my truck. Started giving them out to the unhoused in areas where there was a SS.
Lately been ordering gift cards on Gold Belly and will probably use it around the holidays for a rib roast or something.
Now I plan on buying Dunkin cards, if they trigger the credit, and hand them out to the unhoused.
this is... a fantastic idea, actually. the dining credit doesn't really appeal to me (i don't really eat at any of the places where i would personally get value out of it), but i'm moving to LA this weekend, and i know i can do this there. it's a way to get the value out of it, even if it's not for me. thank you for suggesting this!
Great video. I love the card but there is no resy and no dunkin donuts in alaska so I will cxl if
Does it just make more sense to go ahead and just get the platinum at this point now?
Contrary to popular opinion, I regularly use all the coupons without going out of my way. I think the new additions are great and will definitely be keeping it in my wallet
I don’t have that offer from Dunkin’ how can I get the again
So if I have the card my annual fee is increased ?
When do they charge for the annual fee after opening?
I have the SavorOne so I wasn't considering this card, but I literally live next to a Five Guys and a 5 min drive from Dunkin 😭
My only concern is I feel like I'd eventually cancel the gold.
Just got mine last month. Now I wish I would have waited for the welcome points. Plus, only 2 resy restaurants near me and being an hour away isn’t worth it. Last but not least, who goes to Dunkin 👎🏻. Thank you for the update!
Glad I just got my sapphire preferred I almost got this card a few months ago
Great Video! I liked the spoken word/unscripted approach. It felt more like a conversation.
Dunkin' is quite extensive overseas. Wonder if it works overseas.
This card is still worth it for me. I’ve been using it and enjoying the credits it offers. I live in a city and all the places are easily accessible to me for less than 5 minutes drive. I don’t mind paying extra $7 a month/$75 a year.
Hey Daniel, I love the channel on youtube, it’s helped me become more educated on the benefits of credit card points. I was wondering if you could do a video on a situation that is common but slightly niche. I’m an active duty US service member and I get the annual fees waived on cards thru Amex and Chase because of the SCRA and MLA acts. I unfortunately didn’t cash in the bonus on the Amex platinum but I got the Gold and have been using it for its point earning categories. I don’t have any Chase cards because I feel like the benefits overlap a lot with Amex. Could you make a video or give me some advice to maximize points earning or take advantage of this unique situation to accrue valuable points? Ideally I’d use them for traveling. I just thought it could be interesting to look into. Anyways keep up the quality content!
i love your content and very insightful - however could you shed light on credit repair, services strategies etc.. all these credit card vids are great but mean nothing if someones credit is in the dumps ya feel me?
Already got my white gold today!!! Monday 7/29
yh that resy thing sucks, i think i ll contact them next year see if compensate since no resy restaurants near me
If i cancel, do i still keep my points? 🥴
Just cancelled the card prior to the new fee due to a lifestyle change. Now with this news I’m even more glad I did.
What Daniel said, some people may not like the new credits and the bump up in the annual fee, but me personally I use all the credits and I'll be using that resy and dunkin credit. I enjoy my amex card and with the new credits & current credits, I will literally be up $99 on the fee so the card is basically paying me.
when I check it, it's 90k bonus points... where to see the 100k?
My buddy recently got the gold. Sent this video his way!
Any other card that is equivalent to the Gold Card? I don’t want to keep this at that annual fee.
I’ll be cancelling in December when my AF hits. Card is meh now.
Same
So I have to keep track of my $50 resy credit every 6months or I lose it?
Being in Boston the dunkin and resy credits make it even more worth it for me.
I'm confused about the resy credit. Do you need to actually use the resy app in order to get the credit? Or is it as simple as just paying with the card at restaurants that are on it?
I have a 4 Resy restaurants across the street from me so while at first I didn’t love the changes now I should get more value out of the credits. Thankfully the Resy credits are semi annual and not monthly. I could take or leave the DD credit but I buy at least two bags of coffee beans a month so I guess I’ll just stop by DD for one now.
I just downgraded from the Platinum back to the Gold. I did it two days before the new AF went into effect so I only paid $250. The Platinum card just doesn't hold any value as an everyday card. I use my CSR way more. The 4x on groceries and restaurants is why I kept the Gold. I also already ordered the white card which I should be getting pretty soon.
Where do you get the 100k bonus offer the best I see is 90k
Can u send link?
I only see the 60
I called to get my cancel date as none of the new features bring me any benefits. I got them to keep me by adding a spend $3000 in 3 months for 40k points. I’ll give it another year with this offer. FYI
Severe peanut allergy here too! I’ve never had a problem just having burgers at five guys but definitely a little scary going inside and seeing all the peanuts. Now I have to risk my life once a month to use the dining credit. For a “free” burger on Amex though, I’ll take it😅
I’ve been thinking about cutting down the number of cards I have and the increase in the fee was the push I needed to start. Will be canceling.
Ever since Amex changed CEO, the pain has continued. I’m locked in until next year, after, I’m done. Paying $325 for a travel card with no travel benefits is laughable. At least they could had added primary CDW, TSA, or Escape lounges. Don’t get me started on the coupon book. I’ve been a member since the 80’s never this bad. I’ll keep my other no af cards. There’re plenty of no af dinning, and supermarket cards available. At least Chase knows their limitations. One of the reasons they are killing the Freedom Unlimited
But will the new card help me get a discount on a Speedmaster Professional?
I wish it got me a discount! 😂
Good eye there to spot the watch
Personally I like the changes not so much the annual fee but the credits are cool I have a large family though.
It would have been better had it been Starbucks instead of Dunkin.
Still itd be a crappy deal
No I like Dunkin better
Both are trash but come on now, Starbucks is beyond disgusting, both taste-wise and price-wise lol
Does dunkin credit work on dunkin card reloads?
AMEX could lower it back to $250 if there's enough pushback and/or very little new customers applying for the Gold Card. It is a bit disappointing, it is a solid card for grocery shopping and paid for itself easily if you buy a lot of groceries like me.
How much do you spend annually on groceries roughly?
Not gona happen they making big money with their new clientele 😂
@Cremaschiii the ones that made them 61 billion in the last year they are doing something right and are attracting the right people to their products 🤑🤑
@Cremaschiii will see about that save this thread let's see in 1yr
Dunkin donut… haven’t seen one in years …
10,000 locations in 45 states as of today.
Where do you live?? Lol
What card do you get better than 3x on booking flights directly though the airline website? That seems like one of the biggest appeals to me
I have one more year at $250. I'll hold off making a decision until then, but I have the distinction feeling I will be canceling it or downgrading to green.
I am renewing in August so it makes sense to keep it for a year. Will be re-evaluating using the new benefits. Thank goodness I live in a large city where these new places apply and are accessible.
Wish they would have kept shake shack, but I like this even better
Will be asking for a retention offer this coming December when annual fee hits. If I get one that is good will keep the card for one more year if not then will cancel. Sucks cause I was getting great value from it.
Same
Sweet vid! Ty
Dunkin credit is kind of weak.. does it include Baskin Robbin’s?
The Resy credit the jury is out on that, I’ll have to check Resy and see if there are any restaurants I’d be interested in.
I also have a peanut allergy so the switch from Shake Shack to Five Guys is kind of irritating.
Luckily my annual fee for 250 renewed already, so I’m locked in. So I’m going to see if the credits will change my mind. But I’m not too excited about it.
Thanks for the review
too much of a coupon book but looking into the business gold for ad spend. Do you have the business gold?
My AMEX Gold card renews in August. Does that mean I’m locked in at $250 until next year?
Also, do the Resy benefits start on July 1st and the next one on January 1st, 2025? Thanks for any feedback and info…
Yes to all your questions. Just make sure to activate everything online first.
@@Txcowboy80 thank you so much…
What is your recommendation for a travel card? I have an AMEX Platinum that I plan on downgrading to Gold
Wasnt planning on getting the card, was watching your video and saw a potential 100k sign up bonus. With no impact to credit I thought “sure I’ll get another denial”
Opened a private browser on my phone and applied and managed to get approved with a 90k sign up bonus.
Wasnt part of my game plan as Costco is my biggest monthly spend.. so I guess I’m shopping at Whole Foods / Trader Joe’s for the next 6 months
I also won’t be using Dunkin, Grubhub/Five guys.. I might use Uber for Uber eats to order for pick up while at work. Resy will definitely use my girlfriend and my favorite bar is on it. I can see myself getting back the $120 Uber and the $100 resy. There’s a shake shack near me so I can get that for the next 3 cycles before it drops off (9/25) so maybe $250 back for me. 90k points plus that $100 makes it a no brainer for new card holders … but retention might drop drastically next year in July
They said the rose gold was limited edition
Can you compare the new Gold vs the Amex Green card? I think it's a good downgrade from those who have a Gold.
This just became a keeper card for me. Effective annual fee for me is -$99.
wait until you figured you didn't use most of the credit each month and they ran away
ive had the amex gold for about 8Y and its getting to the point im considering cancelling. They keep adding credits i dont use or have to alter my spending habits to meet or simply cant use like that resy credit. im also not eating out as much as i used to due to the rising costs of take-out and just trying to eat healthier at home. I feel like this card is great for a younger consumer of which, after almost a decade, im starting to not be anymore haha
I'll be canceling this as well $325 is just dumb. I went with the Bilt credit card $0 annual fee its metal has no foreign transaction fee what does Gold card have that bilt doesn't?
Groceries I guess.
Lol gold has tons of credits and much higher cashback. Cant compare to bilt even closely