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Amex Gold is pretty decent for travel rewards (4x for food/groceries) and amex points are ranked pretty well for value by the points guy (https://thepointsguy.com/guide/amex-points-value/) - certainly structured differently than cash back but free travel with a year or two of normal expenses isn't too bad a deal


In the past few years the concept of "travel" has become a bit more difficult. I decided I'd rather have the simplicity of cash back instead.




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