GolfCard Review: Is This $250 Golf Credit Card Worth It? (2025)

Earnings Rate Analysis

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For golf spending:

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• GolfCard: 3x points (or 5x-10x at partners)

• Chase Sapphire Reserve: points on dining, travel, and on Lyft

• Amex Platinum: points on flights booked directly with airlines

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For travel and dining:

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• GolfCard: 2x points

• Chase Sapphire Reserve: Higher earning rates on travel and dining

• American Express® Gold Card: Premium earning rates on dining and U.S. supermarkets

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Verdict: GolfCard's base earning rates are competitive for golf but lag behind for general travel and dining.

Who Should Get GolfCard?

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It Makes Sense If You:

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• Already spend heavily at GolfCard's specific partners (Golf Traveller, TRENDYGOLF, etc.)

• Book multiple golf trips per year through their partner networks

• Are a Random Golf Club member who attends events regularly

• Play frequently enough that the Supreme Golf $6/month credit gets used

• Need custom club fittings or swing analysis annually

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Skip It If You:

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• Don't regularly use these specific golf vendors

• Prefer flexible travel rewards that work across any merchant

• Want cashback over points locked to golf experiences

• Play casually (less than 20 rounds/year)

Points Redemption: Where GolfCard Falls Short

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Unlike Chase Ultimate Rewards or Amex Membership Rewards, GolfCard points can only be redeemed for:

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• Partner golf experiences and travel

• Golf gear from partner retailers

• Bucket list golf moments

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You cannot:

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• Transfer points to airline or hotel partners

• Redeem for cashback

• Use points for non-golf purchases

• Book travel through a flexible portal

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This is a massive limitation compared to premium travel cards. Chase Sapphire Reserve points are worth 1.5 cents each through the Chase travel portal, and you can transfer them to Hyatt, United, Southwest, and more. GolfCard points are essentially store credit.

The Math: Does the $250 Fee Make Sense?

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To break even on the $250 annual fee, you need to extract at least $250 in value from:

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1. The credits you'll actually use
2. Elevated earnings at partners you already shop at
3. The welcome bonus

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Example scenario:

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• Use $200 Golf Traveller credit: $200

• Use $75 Supreme Golf credits: $75

• Use $75 True Swing credit: $75

• Total: $350 in value = $100 net benefit

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But if you don't use True Swing or Golf Traveller? You're barely breaking even.

Better Alternatives for Golfers

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For Flexible Golf Rewards:

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Chase Sapphire Reserve®

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[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "$300 Annual Travel Credit"} ]]

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For Maximizing Golf Gear:

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Chase Freedom Flex® or Discover it® Secured Credit Card

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[[ COMPARE_CARD * {"ids": ["2883", "827"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["No Annual Fee", "No Annual Fee"]} ]]

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For Cashback Golfers:

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Capital One Quicksilver Secured Cash Rewards Credit Card

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[[ SINGLE_CARD * {"id": "3058", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "1.5% Flat Cash Back"} ]]

The Verdict: Niche Card with Limitations

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If you're booking 2+ golf trips per year through Golf Traveller or GolfBreaks, shopping regularly at TRENDYGOLF or Worldwide Golf, and attending Random Golf Club events, GolfCard could deliver real value. For everyone else, a Chase Sapphire Reserve or even a no-annual-fee 2cashback card offers better flexibility and value.