 Hello everyone, this is financial author Ahmed Dan of Edan Journal. A common question everyone asks is how the American Express Gold Rewards Credit Card holds up when compared to other hybrid credit cards. Today, I'll look at a few points you should consider before pledging your allegiance to any hybrid credit cards. Because of many Rewards websites such as Rewards Canada and TV ads promoting the MX Gold Credit Cards, many of us think that this is the best hybrid credit card out there because it offers two points on maximum categories such as gas, grocery, drugstore, flights, hotels, car rentals, cruises and much more. However, the problem with this is that you should not purchase big ticket travel items such as flights, hotels, cruises, etc. with your American Express Gold Rewards Credit Cards because it does not offer trip cancellation insurance. Keep in mind that this card also charges a hefty $150 annual fee. Also, American Express Rewards Transfer Partners are very limited. For example, six frequent flyer programs such as British Airways, Aeroplan, Asia Miles, Delta, Sky Miles, Alitalia, Etihad Airways and only two hotel programs such as Hilton H. Honor and Starwood Preferred Guest. A better option can be the American Express Starwood Preferred Guest Credit Card which lets you transfer star points to frequent flyer miles with more than 30 airlines or redeem star points for free nights at over 1200 starwood hotels and resorts in 100 countries. However, keep in mind that this card does not offer trip cancellation insurance as well. Another hybrid credit card, the RBC Visa Infinite Avion offers full suite insurance coverage and offers transfer partners such as WestJet, Asia Miles, British Airways Avios, American Airlines, SO Extra Points or Shoppers Optimum Points, etc. So for many, the appeal of this card may be higher due to its insurance coverage. So picking the best hybrid credit card depends on what you are looking for from your credit cards, whether it is the most points, the most transfer partners or the most insurance coverage. That's all for today. Thank you.