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Not all rail travel, network rail card is off peak only but that gold card gets you money all peak tickets too. For someone doing the commute to London a couple of times a week it could well be worth getting that cheap season ticket to get the discount.

It covers a wider area and also gives the discounts for peak times. This page explains it better: https://www.andybtravels.com/en-route-blog/which-railcard-for-someone-aged-55-and-travelling-alone Basically you’re buying the cheapest annual season ticket available and using it solely for the...