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Luxury Card Mastercard® Gold Card™ vs The Platinum Card® from American Express

Is Platinum worth its weight vs. Gold?

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Megan Horner
Updated . What changed?
Fact checked
The Platinum Card® from American Express offers 100,000 points after you spend $6,000 in your first 6 months of account opening. The Luxury Card Mastercard® Gold Card™, strangely, offers no welcome offer at all. Plus, you’ll pay $995 for the Luxury Card Mastercard® Gold Card™ compared to the $695 required of The Platinum Card® from American Express.

Luxury Card Mastercard® Gold Card™

Luxury Card Mastercard® Gold Card™

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

3.3 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Premium Luxury Card Travel perks
  • Excellent travel rewards
Welcome offer
Welcome offer

N/A

100,000 points after spending $6,000 in your first 6 months
Rewards
Rewards

1x points on all purchases with 2% point value when you redeem for airfare or cash back

5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
Purchase APR
Purchase APR

16.49% variable

See Pay Over Time APR

Annual fee
Annual fee $995 $695
Balance transfer APR
Balance transfer APR

0% intro APR for 15 billing cycles, then 16.49% variable

 N/A
Cash advance
Cash advance

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.74% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $295 $175
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Other
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