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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 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 $2,000 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.
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. Landing this offer results in a reward value of up to $2,000, 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.
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.
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