Hi Manny, AMEX Gold Card seems to have a lot of good perks if travelling is your main focus (kind of why I opted for it over the AMEX Cobalt Card but it was a tough decision). Kind of curious though, since you're planning on applying for Gold next year, do you think you'd eventually cancel your Cobalt soon after? If you were to keep both you'd be paying $305.88 per year ($155.88 for Cobalt + $250 for Gold - $100 for Gold Travel Credit). Would just like to hear your thoughts on whether you think it's worth keeping both (because cancelling Cobalt would probably impact your credit score)? I know our life situations may be different but I noticed we're both in Canada and are about the same age so I figured I'd ask for your input since I'm considering applying for Cobalt at some point in the future.