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 (see Rates & Fees).

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 & 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 on dining 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 directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)

5x points on directly-booked flights or on flights and hotels on Amex 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
Foreign transaction fee
Foreign transaction fee None None
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

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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

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

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 Filter values
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
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex 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
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months, plus $50 after your first Delta purchase in the same timeframe
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
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on direct Delta purchases 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
25,000 points after spending $2,500 in the first 90 days
3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases
$0
25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
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.
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.
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
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit and 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 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.

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