<prompt> Human: Ive had the gold card premier rewards I think its called for almost two years and Im tossing around the idea of upgrading to the platinum card. The gold card is 195 a year, but so far I havent really had to pay for it, and the platinum card is 550 a year. Am I insane for considering spending that much on a credit card?Gold card benefits: - 3x points on flights - 2x points on hotels and restaurants - 100 credit towards airline fees on one airline a year this covers anything other than tickets, so far Ive used it to check bags - No foreign transaction fees, rental car coverage, and benefits at The Hotel Collection not convinced these hotels actually existPlatinum benefits: - 5x points on flights - 5x points on hotels booked through Amexs travel site doesnt always have the best options - 200 airline credit useful as long as I fly twice in a year with the same airline, I might not - 200 in Uber credits but divided up monthly my Uber use is sporadic, but this is probably in the neighborhood of what I spend on Uber a year - Statement credit to pay for Global Entry definitely applying for this soon anyways - 50 twice a year to spend at Saks not huge into designer stuff, so its not money Id be spending otherwise - Access to all the fancypants airport lounges this is worth nothing but it sounds fun - A long list of exclusive things I dont see myself using - Same deal with no foreign transaction fees, rental car coverage, and benefits at another group of hotels that doesnt existMy travel habits: My husband and I usually take one or two big trips a year. We go to Punta Cana in the winter around 3000 and sometimes do another nice trip in the summer or fall. A couple of smaller spontaneous trips here and there and we also stay in a hotel when we go to visit my parents, around 3 times a year. I probably spend in the neighborhood of 10,000 or a little less on travelling per year. All trip expenses go on my card.Next year is the big one. We are planning to visit my BIL in South Korea next summer, and hit Japan while were in the neighborhood, 2ish weeks total.I think the cost of the card will probably be worth it next year, but iffy beyond that. Right now Amex is offering 50,000 points to upgrade, as well.1. Based on the above, is this card worth it for me?2. If I use it for one year and decide to roll back after that, will this impact my score? Currently just above 800 and not planning on financing anything anytime soon, so not sure how much this even matters, but the numbers are satisfying.Thanks in advance.  <response>: Consider Chase Sapphire Reserve as well. 