American Express: Gold Card vs. Platinum Card | finder.com

American Express: Gold Card vs. Platinum Card®

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Which of these high-end American Express charge cards is going to be the one?

The American Express® Gold Card and The Platinum Card® from American Express are both heavy hitters when it comes to travel rewards cards, but they’re definitely not twins. Each has distinct perks and rewards that are going to work better for some than others.

Looking at the cards squared up, it’s clear that the American Express® Gold Card was made for someone who’s up in the air often, while The Platinum Card® from American Express was designed for travelers who prefer white glove service — but that’ll come with a heftier annual fee.

Both cards aren’t your typical credit card, either — they are charge cards. What that means is the full balance is due every month. Note that the American Express® Gold Card has a Pay Over Time feature that allows you to pay for some purchases over time with interest (see Rates and Fees). Though it’s the only major provider of charge cards, American Express also offers traditional credit cards if you’d prefer to carry a balance.

American Express® Gold Card

American Express® Gold Card

The Platinum Card® from American Express

The Platinum Card® from American Express

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Generous points at US restaurants and US supermarkets
  • Excellent travel rewards
Welcome offer
Welcome offer 35,000 points after spending $2,000 in the first 3 months 60,000 points after spending $5,000 in your first 3 months
Rewards
Rewards

3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)

5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

See Rates & Fees

None (Charge Card)

Annual fee
Annual fee $250 $550
Cash advance
Cash advance See Rates & Fees Not a feature of a charge card
Late payment fee
Late payment fee Up to $38 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $175
Interest-free period
Interest-free period 25 days None
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 680 680
Card type
Card type Other Charge
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

American Express® Gold Card

American Express® Gold Card

  • Large welcome offer of 35,000 bonus Membership Rewards® Points when you spend $2,000 on purchases in the first 3 months
  • Ideal for high-spenders in eligible travel, dining, and groceries
  • $10 in dining statement credits monthly at select restaurants
  • $100 airline fee credit annually

Earn 4x points at US restaurants. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. And earn 1x points for all other eligible purchases. For frequent flyers, the American Express® Gold Card is going to reward you handsomely with 3x points when you book flights directly with an airline or through American Express Travel. This card costs $250 each year — which is loads cheaper than the Platinum Card®.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • $200 in credits for Uber each year


The Platinum Card® from American Express earns 5x points when you book airfare directly with an airline or through American Express Travel. To capitalize on preflight comfort, you'll have access to over 1,200 airport lounges — including Centurion Lounges. And, if getting pampered is your thing, you'll automatically be upgraded to Starwood Preferred Guest Gold status. That means when you check into an SPG property with your Platinum Card®, you'll get the red carpet rolled out.

What’s next?

If the annual fee is doable and you’re sure you’ll get value out of either the American Express® Gold Card or The Platinum Card® from American Express, apply today so you can start raking in rewards sooner than later.

But not every card is going to be a match, so don’t sweat it if you weren’t pulled toward either of these cards. See what other credit cards are available, and you’ll likely find one that appeals to you after making a few more comparisons.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months
2x miles on direct Delta purchases and 1x miles on all other purchases
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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