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

American Express: Premier Rewards 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 Premier Rewards Gold Card from American Express and 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 Premier Rewards Gold Card from American Express 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’re charge cards. What that means is the full balance is due every month. 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.

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Platinum Card® from American Express

Platinum Card® from American Express

Welcome bonus 25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months

Earn 60,000 points after spending $5,000 in the first 3 months

Rewards

Earn 3x points on airfare booked directly with airlines and 2x points at US restaurants, US gas stations and US supermarkets. Earn 1x points on all other purchases.

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) Not a feature of a charge card Not a feature of a charge card
Annual fee $0 the first year, then $195 $550
Cash advance Not a feature of a charge card Not a feature of a charge card
Foreign transaction fee None None
Late payment fee $38 $38
Additional cardholder fee $0 $175
Interest-free period None None
Minimum interest $0 $0
Minimum credit score 680 680
Card type Charge Charge
Learn more

Which card should you choose?

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Large welcome offer
  • No interest charges because your balance is paid in full each month
  • $100 airline fee credit

For frequent flyers, the Premier Rewards Gold Card from American Express is going to reward you handsomely with 3x points when you book flights directly with an airline. And you'll definitely find The Hotel Collection perks worth your while — 2x points earned when you book at an eligible property, plus a $75 hotel credit. This card even waives the annual fee the first year, and costs $195 each year after — which is loads cheaper than the Platinum Card®.

Platinum Card® from American Express

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 Premier Rewards Gold Card from American Express or 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 Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 15 months (then 14.74% to 25.74% variable)
14.74% to 25.74% 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.
0% for the first 15 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
$0
Fair (660-699)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
0% for the first 12 months (then 14.74% to 24.74% variable)
14.74% to 24.74% variable
$95
Fair (660-699)
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
0% for the first 12 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
$95
Fair (660-699)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
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.
25.74% variable
$0
Good (700-739)
Earn rewards with no annual fee.
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
Fair (660-699)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
17.49% to 26.49% variable
$0
Fair (660-699)
Earn 100,000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
35,000 bonus miles after you use your new Card to make $1,000 in purchases within the first 3 months
17.49%, 21.49% or 26.49% variable
$450
Fair (660-699)
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
17.49% to 26.49% variable
$195
Good (700-739)
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
None (Charge Card)
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
Shop with more confidence
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
Good (700-739)
Enjoy a $0 annual fee on first year and earn up to 2 Starpoints® for every dollar of eligible purchases.

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.

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