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Credits
Why My Amex Gold Is Basically Free
The Amex Gold costs $325 a year, but its dining, Uber, Resy and Dunkin’ credits can total more than the annual fee. That doesn’t automatically make the card free. For me, the reason it effectively is comes down to one thing: those credits replace spending I was already going to do.
Sep 7, 2026
How I Use the Chase Sapphire Reserve $300 Dining Credit in San Francisco
The Sapphire Reserve’s $300 OpenTable credit is only valuable if it replaces dining I was already going to pay for. In San Francisco, that’s easier than it sounds. My strategy is simple: treat it as two $150 dinners a year, use it at restaurants I already want to visit, and never spend extra just to avoid “wasting” a credit.
Sep 7, 2026