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American Express: Amex Gold Card vs. Amex Platinum Card

Find out which of these high-end cards is right for you.

The winner: The Platinum Card® from American Express

Up to $7,000

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $7,000
  • 10x points at restaurants and US Shop Small vendors on up to $25,000 combined in the first 6 months
Apply now
Terms apply, see rates & fees

The main difference between the American Express® Gold Card and The Platinum Card® from American Express is that the former comes with a $250 annual fee (Terms apply, see rates & fees) and highly rewards your dining and supermarket purchases, while the latter is a premium card with a $695 annual fee (Terms apply, see rates & fees) and high rewards on flights and prepaid hotel purchases.

The winner: The Platinum Card® from American Express

Although both cards can be extremely valuable to the right cardholder, The Platinum Card® from American Express is objectively the better card. It comes with a generous welcome offer that can be worth up to $7,000 based on Finder’s current valuations, and it lets you earn one of the highest rewards rates on flights and hotels. On top of that, there’s a variety of benefits you can access after enrollment in each, including more than $500 in statement credits, access to the Global Lounge Collection, Gold elite status with Hilton and Marriott hotels and more.

American Express® Gold Card

American Express® Gold Card

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Generous points on dining and US supermarkets
  • Excellent travel rewards
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 6 months

100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe

Rewards
Rewards

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases

10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases

Purchase APR
Purchase APR

See Pay Over Time APR

See Pay Over Time APR

Annual fee
Annual fee $250 $695
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $175
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Other Other
Learn more
Learn more

Read review

Read review

Best for welcome offer: The Platinum Card® from American Express

The Amex Gold Card lets you earn 60,000 membership points after you spend $4,000 in your first three months of card membership. This can be worth up to $1,200 if you transfer to travel partners or up to $600 for reward redemptions within the Membership Rewards program.

On the other hand, The Platinum Card® from American Express comes with 100,000 bonus membership points after you spend $6,000 in the first 6 months when you open your account, plus 10x points at US gas stations and US supermarkets on up to $25,000 in combined purchases within the same period. Maxing out both offers can get you a reward value of up to $7,000, a value that no other card can match.

Best for reward points: Tie

There’s no clear winner in this category because both cards earn rewards on different types of purchases. Those who want a card specifically for supermarket and dining purchases, and occasional travel, would find the Amex Gold Card to be the more rewarding option. Those who want a premium travel card would find the Amex Platinum Card to be the better choice.

There is a third option. Combine the two cards and you can maximize your rewards on all three categories: travel, dining and supermarkets. The most popular combination of three Amex cards is the Amex trifecta.

Best for credits: Amex Platinum Card

The Amex Gold Card rewards your card membership with a $120 annual dining credit and up to $100 Hotel Collection credit for dining or spa treatments(Terms apply, see rates & fees) when you enroll in each perk. The Platinum Card® from American Express, on the other hand allows you to enroll in similar perks, like an annual Uber Cash credit of up to $200, which you can use either on Uber rides or Uber Eats, plus a slew of new credit opportunities, including hotel credits, CLEAR credits and digital entertainment credits, all adding up to a value of $1,400.

Best for annual fee: Tie

The Amex Gold Card has a $250 annual fee, which makes it a cheaper card. But even though The Platinum Card® from American Express has a $695 annual fee, the fee can easily be offset by its benefits and rewards. Plus you can get way higher value out of the card.

Who should get the Amex Gold Card?

Anyone looking to maximize rewards on their dining and supermarket purchases should definitely consider this card. It works great as a standalone card, but it also pairs extremely well with the Amex Platinum Card.

Who should get the Amex Platinum Card?

Travel enthusiasts who want to get the most value during their travels and maximize valuable benefits like free airport lounge access and travel insurances should shortlist this card.

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 American Express® Gold Card vs. The Platinum Card® from American Express

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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