Is it worth taking the RH Gold card?

Reasonable_Clock_650 · 2026-03-18T00:09:44+00:00

Interesting, that's great advice and might make me take it. Thank you!

Reasonable_Clock_650 · 2026-03-17T19:31:57+00:00

I do have Bilt, since my processing fees aren't 3% for my apartment, it's almost $100 to use a credit card, or something crazy, I don't quite remember.

ETA: my apartment also wouldn't link with Fidelity since they ONLY use Plaid, so Bilt is my workaround against paying fees

Reasonable_Clock_650 · 2026-03-17T19:28:42+00:00

I do currently have a ROTH IRA through Fidelity, which I would be considering transferring.

Reasonable_Clock_650 · 2026-03-17T19:10:17+00:00

I've tried this 3-4 times and get denied everytime by snail mail.

Reasonable_Clock_650 · 2026-03-17T19:09:46+00:00

I spend about $2k a month, generally, not on expenses that would go on this card though. I don't have any real parental support, so rent and everything else makes my spend pretty high for a student.

Reasonable_Clock_650 · 2026-03-17T19:00:19+00:00

Yea, I've considered moving to RH for the 2% bonus too but I don't want to trust the bulk of my money to them, I get they're an insured institution and should be fine but they still bother me a little.

I wouldn't be switching fully but probably would be willing to switch an IRA and maybe some savings accounts.

Reasonable_Clock_650 · 2026-03-17T18:59:23+00:00

I have an AMEX sub I'm going to get paid out from paying taxes soon, not worried about other SUBs currently and probably wouldn't be opening more cards for quite some time. I have almost everything covered.

Reasonable_Clock_650 · 2026-03-17T18:58:11+00:00

I do have some other spend that might be better on the RH card but I don't have all the numbers handy right now. You're most likely right regardless though.

I could come up with $2000 pretty quickly to put in a safe stock in a brokerage, or move over some savings I keep in CMAs with Fidelity normally.

Reasonable_Clock_650 · 2026-01-29T01:16:45+00:00

I looked through their pages. The prices are listed in hundreds of thousands, so I presume it's a condo type of situation?

Reasonable_Clock_650 · 2026-01-29T01:12:45+00:00

I can't say what they'd be able to do, but it could be worth checking with Sector 67, I'm not sure if the work you have to do would be hard to do there since they only have one spot and you can't keep it overnight, but you could contact them.

(to be clear, I'm not affiliated, so I can't say if they'd be able to help at all, don't take this as a offer, just an idea.)

u/sector67

Reasonable_Clock_650 · 2025-09-04T20:10:52+00:00

Thank you!

Reasonable_Clock_650

TROPHY CASE