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

American Express: Gold Card vs. Platinum Card®

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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

★★★★★

4.6 / 5.0

★★★★★

4.4 / 5.0
Welcome bonus 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months. 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Rewards

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

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

Purchase APR (annual percentage rate) See Rates & Fees Not a feature of a charge card
Annual fee $250 $550
Cash advance See Rates & Fees Not a feature of a charge card
Late payment fee $38 $38
Additional cardholder fee $175
Interest-free period None None
Minimum interest $0
Minimum credit score 680 680
Card type Other Charge
Rates and Fees Rates & Fees Rates & Fees
Learn more

Read review

Read review

Which card should you choose?

American Express® Gold Card

American Express® Gold Card

  • Large welcome offer
  • $10 in dinning statement credits monthly
  • $100 airline fee credit

Earn 4x points at US restaurants. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. 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 charge 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 other American Express cards

Name Product Annual Fee Credit Score Min. Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
95
680
0%
1
Unsecured
0% for the first 12 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$95
Fair (660-699)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
0%
1
Unsecured
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
Fair (660-699)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
0%
1.5
Unsecured
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
Fair (660-699)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
550
680
1
Unsecured
None (Charge Card)
$550
Fair (660-699)
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
250
680
1
Unsecured
See Rates & Fees
$250
Fair (660-699)
25,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
95
680
2
Unsecured
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
680
1
Unsecured
17.74% to 26.74% variable
$0
Fair (660-699)
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
95
680
1
Unsecured
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
95
680
3
Unsecured
17.74% to 26.74% variable
$95
Fair (660-699)
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
680
3
Unsecured
17.74% to 26.74% variable
$0
Fair (660-699)
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
680
0%
1
Unsecured
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
Fair (660-699)
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
95
680
0%
1
Unsecured
0% for the first 12 months (then 14.99% to 24.99% variable)
14.99% to 24.99% variable
$95
Fair (660-699)
15,000 Membership Rewards points after you spend $1,000 on purchases in the first 3 months of opening your account

Compare up to 4 providers

The best credit cards for balance transfers, travel rewards, businesses and more

Kyle Morgan

Kyle Morgan is a producer for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site