I would like to answer the best I can think of. If your looking for a card that is more executive with lower annual fees, the green and gold are great cards. It's true average people like warehouse employees, mailmen, social services etc. use it too and not all executives have their cards.
but a lot do. now comparing the gold card to the blue cash card there a couple of things to think about
- does the blue cash card come with an year end summary of all your charges and does it come with tickets sold to the public first? so you might want to think about this.
I certainly undestand your point on the 95 and 125 annual fee vs 0.
it's just more executive. for example the green and the gold come in 3 formats the personal card, the small business and corporate cards
some people get their bill sent to the office, if you ever notice when staying at a big hotel that has a Starbucks in it in the morning, when you get some breakfast people in line you will see some using a green or gold in addition to different cards and cash.
now with the blue cash card, nobody gets their bill sent to the office, it gets sent to their home. you never see anybody using this card for business usually places like Nordstroms, Barnes and Nobles etc.
it's just about having an executive looking card.