Originally Posted by
sethMCOflyer
Otherwise it seems like a card with a bunch of gotchas that for most people who don't learn all the intricacies of the benefits would probably be better off with a no fee double cash back card.
You've described functionally every "premium" card. Some cards, particularly the Plat, can easily provide thousands in value for the right spending patterns. If your spending profile doesn't get enough value from your Gold card, you would be better off with a different card.