Next card suggestions after Gold?
I’m coming up on 1 year with my AMEX Gold and went for it over the Cobalt because the SUP of 75K (unlikely I would have achieved those points with Cobalt). In total I accumulated roughly 120K pts which I plan to spread amongst Aeroplan and Mariott Bonvoy points. To avoid another year of fees, I want to cancel and change cards so I’m seeking recommendations.
My situation: I travel for a living with airline perks which don’t tie me to die hard Aeroplan pts collection (though I have some). My regular multiplier expenses are gas, food/groceries, airline tickets and few rental cars a year. My priority is to accumulate points that I can transfer either to Marriott, Hilton or airline partners. How I view the current cards:
Cobalt: Frequently recommended but I have my doubts with it primarily due to the 5x for restaurants since a lot of merchants aren’t recognized as restaurants by AMEX and I‘d end up with 1pt/$. Not many other perks to me or SUP worth noting especially if the 5x pts aren’t coming in.
Platnium: Way too expensive for what you get. Reduced lounge access and restaurant credits are even less enticing to me and this is what pushed me to Gold as it was a cheaper annual fee with similar perks. I only ended up using 1 lounge pass which was underwhelming. I have 6 passes with my Wealthsimple Visa available for now and that card covers my no forex international expenses.
Marriott Bonvoy: My biggest expense on leisure travel now seems to be accommodation. I’m leaning towards this card but the SUP of 60K pts sucks and the rest of the cards perks seem limited. I’m not planning on spending a ton of money at their restaurants either.
Aeroplan Card: I occasionally travel on Air Canada with my perks or if I’m redeeming points (which I find really difficult to accumulate and actually use) so the multipliers here aren’t useful to me. Neither Aeroplan cards seem useful to me and the new changes coming seem even worse.
That being said, what card should I switch to, or is the Gold the most suitable for me?