I'm happy with the Plat for flights and hotels, but I'd really like a better card for food. I don't spend a shit ton on takeout but it's still my most common daily expense.

Am I crazy to still get the Gold even when I can't get the SUB? I would definitely use the dining and uber credits organically. Just wondering if the 4x on food is a better deal than a cashback card.

I think with the Gold I'd get an extra 10k points a year at the most. Pretty sure that would be like $100ish a year with a cashback card. Not sure what's worth more.

The last factor to consider is that I don't plan on keeping the Plat forever. Once I use exhaust my points, I'm cancelling. So would it be better to move systems now and save myself a credit inquiry?