the gold isn't really a travel card more of a daily life card since most of the points will be earned from supermarkets and restaurants
but yeah if you're not getting at least 25,000 points from the card yearly then you're paying the fee for nothing.
since you get 4x on those categories that equates to spending at least $500 a month on both groceries and restaurants
if you don't spend this already it doesn't make sense
but then you get $10 off uber and that $10 dining credit which makes no sense for me personally
there's also the 3x on travel which would help for the few times you may need to buy a ticket.
I keep thinking about it but then I don't do it
If you fly even once a year or stay at a hotel once a year that 100 dollar travel credit brings it down to 150 right off the bat.