mia that's fair.

To be more explicit, the unspoken portion of my post above was competing the Platinum versus the Gold. My suggestion is that, at the very least, it makes sense to pair Platinum and Gold to unlock 4x on dining/groceries. To this end, the key terms are identical...

For Purchase Protection, both Platinum and Gold cover up to $10k per purchase and up to $50k per year. That's obviously very different from, say the Blue card, which only covers $1k per purchase but still up to $50k per year.

I just wanted to point out that the Platinum wasn't the end-all-be-all for these benefits because, laziness aside, a Platinum-only approach is usually not optimal. I also say this as a reformed "Platinum-only-lazy-person"....