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Platinum, gold and black credit cards comparison

Get exclusive benefits, but watch out for the high annual fees.

Updated

Fact checked

Our pick for a gold card: American Express® Gold Card

American Express® Gold Card logo

35,000-point

Welcome offer after spending $4,000 in first 3 months

  • Points on flights, dining and groceries
  • Annual dining and flight credits
  • Access hotel collections, Personalized Travel Service and more
Apply now
See rates & fees

Platinum, gold and black credit cards are often considered premium options with exclusive benefits. However, this largely depends on the card issuer. Some cards, such as the no-annual-fee Wells Fargo Platinum Card, carry the premium name while having no special perks and benefits.

On the other hand, American Express, Mastercard and some other providers have designed platinum, gold and black cards for individuals who are large spenders. These cards have high annual fees and interest rates and are a step up from standard offers. They offer features such as higher credit limits, more reward points and a huge range of complimentary extras.

Learn more about the benefits and costs of these three premium choices so you can find a card that’s right for you.

What’s the difference between platinum, gold and black credit cards?

The difference between these cards largely depends on the card issuer. Check out all premium options in the comparison tables below.

American Express credit cards

Amex Gold CardAmex Platinum CardAmex Black Centurion
Annual fee$250 (see rates & fees)$550 (see rates & fees)$2,500 plus $7,500 one-time initiation fee
Welcome offer35,000 points after spending $4,000 in the first 3 months60,000 points after spending $5,000 in your first 3 monthsN/A
Rewards3x 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 purchases1x points on purchases and 1.5x points on purchases over $5,000 with a cap of 1 million additional points per year
Airline fee credit$100$200$200 and complimentary companion airfare for international flights
Hotel benefitsThe Hotel Collection $100 creditFine Hotels and Resorts benefits valued at $550Complimentary night when staying at least one night during the same stay in every Mandarin Oriental hotel worldwide once a year (excluding New York).
Additional perks$120 dining creditComplimentary lounge accessComplimentary lounge access
Additional noteCharge card — you must pay in full when dueCharge card — you must pay in full when dueCharge card — you must pay in full when due
Concierge service
Apply now

Luxury Card™ Mastercard® credit cards

Luxury Card Mastercard® Titanium Card™Luxury Card Mastercard® Black Card™Luxury Card Mastercard® Gold Card™
Annual fee$195$495$995
Rewards1x points on all purchases1x points on all purchases1x points on all purchases
Rewards redemption rates2% for airfare; 1% for cash back and statement credits2% for airfare; 1.5% for cash back and statement credits2% for airfare; 2% for cash back and statement credits
Luxury Card Concierge
Luxury Card Travel benefits
Annual airline creditNone$100$200
Global Entry or TSA PreCheck fee creditNone$100 every five years$100 every five years
Priority Pass Select membershipNoYesYes
Luxury GiftsNoYesYes
Apply now
Apply now
Apply now

Delta credit cards

Delta GoldDelta PlatinumDelta Reserve
Annual fee$0 intro for the first year, $99 thereafter (see rates & fees)$250 (see rates & fees)$550 (see rates & fees)
Welcome offer50,000 miles after spending $2,000 in the first 3 months60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months
Rewards2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases3x miles on direct Delta purchases and 1x miles on all other purchases
Checked bag freeFirst bagFirst bagFirst bag
Delta SkyClub accessN/ADiscounted at $39 for you and up to two guestsComplimentary access for you and two one-time guest passes
Miles bonusN/AEarn 10,000 MQMs after you spend $25,000 in a calendar year up to two times per yearEarn 15,000 MQMs after you spend $30,000 in a calendar year up to four times per year
Companion certificateN/AReceive a Domestic Main Cabin round-trip companion certificate when you renew of your card each yearDomestic First Class, Delta Comfort+® or Domestic Main Cabin round-trip companion certificate when you renew of your card each year
Concierge service
Apply now
Apply now

Black credit cards

Citi PrestigeSapphire ReserveUnited MileagePlus ClubCiti AAdvantage Executive World Elite
Annual fee$495$550$450$450
Welcome offer50,000 points after spending $4,000 in the first 3 months50,000 points after spending $4,000 in the first 3 months50,000 miles after spending $3,000 in the first 3 months50,000 miles after spending $5,000 in the first 3 months
Rewards5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases2x miles on United and 1.5x miles on all other purchases2x miles on American Airlines and 1x miles on everything else
Checked bag freeN/AN/AFirst and second bagFirst bag on domestic flights
Lounge accessVIP lounge access through Priority Pass SelectVIP lounge access through Priority Pass SelectUnited Club membership each year on card renewal and access to participating Star Alliance affiliated lounges worldwideAdmirals Club membership
Travel creditUp to $250 travel credit each year$300 annual credit each yearN/AN/A
Hotel benefitsComplimentary 4th night stay after a minimum 4 consecutive nights booked through ThankYou.com, limited at 2 nights annuallyThe Luxury Hotel & Resort Collection benefitsThe Luxury Hotel & Resort Collection benefitsN/A
Concierge service
Apply now

What to consider before applying for a platinum, gold or black credit card

The benefits of a platinum, gold or black credit card are only worth it if they offer more value than the costs that come from any interest charges or annual fees. Consider the following questions to help you find options that work for you.

  • How often do you use your credit card? These cards have high annual fees and are meant for big spenders. If that’s not you, a no-annual-fee card could be a better choice.
  • How much do you spend on your credit card? If you’re considering a rewards option, you should make sure the value of the points you earn outweighs the cost of the annual fee.
  • How many premium card features will you actually use? Be realistic about which benefits you’ll use so you can find a card that provides value based on your spending habits and circumstances.
  • Do you carry a credit card balance? You could end up paying hundreds of dollars in interest and fees every year if you carry a balance using a gold, platinum or black card as most have high standard interest rates. If you don’t use a credit card often, you might want to consider a low APR option instead.
  • Do you have an excellent credit history and credit score? These credit cards all require good to excellent credit history. If you have black marks on your credit file, such as late payments or defaults, you may not be eligible to apply for a gold, platinum or black credit card.

Compare platinum, gold and black credit cards

Name Product Welcome offer Rewards Annual fee Filter values
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Titanium Card™
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.
Luxury Card Mastercard® Black Card™
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.
Luxury Card Mastercard® Gold Card™
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.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
$150 after spending $1,200 in the first 90 days
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
35,000 points after spending $4,000 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
Earn 4x points at restaurants worldwide. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
N/A
N/A
$48
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Luxury Card Mastercard® Gold Card™
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.
Delta SkyMiles® Gold American Express Card
50,000 miles after spending $2,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 miles after spending $2,000 in the first 3 months. Rates & fees
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Black Card™
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.
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Compare up to 4 providers

Bottom line

If you have an excellent credit score, high income and you intend to use the additional perks, platinum, gold or black cards can be a solid option.

However, if you think the annual fee is too high or if you have other options in mind, compare other credit cards to find something that’s right for you.

Frequently asked questions

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