The Amex Gold is NOT Worth It for 90% of People

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I've had the Amex Gold for 3 years and helped 5,100+ people optimize their credit strategies. Most people get this card and lose money because they don't meet the minimum thresholds to justify the £175 annual fee.

In this video, I break down:

✅ The 3 types of people who should SKIP the Amex Gold
✅ Why low spenders (under £2k/month) lose money on this card
✅ Why non-travelers get zero value from Membership Rewards points
✅ Why thin credit files get rejected or approved with terrible limits
✅ Who SHOULD actually get the Amex Gold (and the math to prove it)
✅ The credit card ladder: which cards to get BEFORE the Gold
✅ My honest verdict on whether you're ready for this card

The 3 types who should NOT get the Amex Gold:
1️⃣ Low spenders (under £1,500-2,000/month)
2️⃣ Non-travelers (fly less than 2-3x per year)
3️⃣ Thin credit files (under 12 months history)

If that's you, I show you the better alternatives and the exact path to build up to premium cards properly.

Better alternatives mentioned:

Barclaycard Avios (free, 1 Avios/£)
Chase Debit (1% cashback, no credit check)
Amex Cashback Everyday (free, simple cashback)
Aqua/Barclaycard (credit builders)

Don't waste £175 and a hard inquiry on the wrong card. Watch this before you apply.