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.
Which card should you choose?
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
- $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.
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.