djrez4 wrote:...Perhaps the solution is to ask Amex if they will provide you with a card that has the aesthetic characteristics of the Gold with the terms and benefits of the Blue.
I only pay $55 for the Gold card and I would pay at least that much for the Roadside Assistance in any case, so the fee is balanced by the benefits and the fact that, at my age, I can afford a few bucks for something that makes me feel good but has no benefit. Years of being rational in my spending allow me to be a little extravagant now.
What drives me crazy is that they have the fee, they get the swipe fees, but I have to swap back and forth between Gold and Blue. It just seems rather silly when they could do everything on one card. If people can get the cash back for free but some, like me, are willing to actually pay for it if the card is a different color, you would think they would figure that out and save some costs.
Thanks for the input.
I have found a white paper on the future of credit card rewards programs and maybe it will provide some insight on the points/rewards/cash segregation we are seeing.