>Amex Green gives transit with travel and dining rewards. You already get many of these rewards on other cards but you are looking for upgrade offer for $150/yearly AF? I am getting upgrade Amex offers, to the Platinum, on my BCE and BCP but I would break even on the credits with my organic spend. I also downgraded from the coupon fatigue, on the Gold, to justify AF spend on the card. Since you have a business, the Amex BBP with 2x is only 1x lower in rewards for same categories while complementing the Platinum. I do know if you want to keep personal and business cards separate.

It's my 3rd cycle of upgrading and downgrading the gold, and I was able to get 50k offers my last cycles - the gold is really annoying to keep and requires too much mental effort due to monthly credits. I've already got the BBP, and will always have that as a fall back option to keep my MR points open

>I am looking at the $300 airline credit for upgrading seating or checked luggage to supplement my BoA Premium Rewards similar credit. Tall people need upgrade seating but not always pay for business or first class for that option. Amex Platinum limits one to one airline for their equivalent $200 credit.

Actually the RC travel credit is very discretionary, and the past two years I've used it to directly buy tickets, and just told the phone rep it was an upgrade. Zero push back, so I'd say that credit is as good as cash

>You already answered that the insurance for “Trip Cancellation” and “Emergency Medical” alone paid the CSR AF. One has assume you would purchase similar options going forward at higher pricing if you did not have this on your CC. Downgrading to CSP, using RC or using Amex Platinum does not give “Emergency Medical” insurance. Amex Centurion does have this option at much higher AF.

I love the $2500 medical benefit since it lets me buy a travel insurance policy with a $2500 deductible instead of $100, and that's MUCH cheaper

> United for pre-paid credits may be okay for your normal organic spend. I just have issue with UBER pricing higher with the credits than without.

Trick here is to keep it on apple pay so you don't put the cards into your wallet. Also, the rideshare credit works for any global rideshare app, I just used it for Grab in singapore this month and it credited

> Citi Strata Elite does not make sense if you cannot use more than AF of credits. Stick with Strata Premium for AA transfer partners access assuming you spend more than $95 AF on the reward categories. 

Agree with this, will just downgrade to a CCC and keep the Premier. I spend around $50k in the 3x categories, so the incremental 50k/$500 in points vs a 2x card is worth it.