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Card vs Card Comparison

Amex Gold
vs
Amex Platinum.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

Currently around 60K to 100K points after spend, see issuer for the current offer

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

American Express

Amex Platinum

Annual fee

$895

Points

Membership Rewards

Signup bonus

Currently around 175K points after spend, see issuer for the current offer

Top earning rates

  • →5x on flights booked direct or on Amex Travel
  • →5x on prepaid hotels on Amex Travel
  • →1x everywhere else (the weakest baseline of the premium cards)

Top perks

  • →$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
  • →$200 airline incidental credit
  • →$200 Uber credit
See Amex Platinum detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Amex Platinum wins if

Pick this if you travel internationally a few times a year, stay at higher-end hotels, and will actually use the monthly credits.

Honest downside: Weak everyday earner. The $895 fee only pencils out if you use the credits, otherwise it is the most expensive card to carry.

At a glance

Side-by-side spec sheet.

SpecAmex GoldAmex Platinum
Annual fee$325$895
Points currencyMembership RewardsMembership Rewards
Signup bonusCurrently around 60K to 100K pointsCurrently around 175K points
Top earn category4x on restaurants worldwide5x on flights booked direct or on Amex Travel
Second earn category4x on US supermarkets (up to $25K per year)5x on prepaid hotels on Amex Travel
Third earn category3x on flights booked direct or on Amex Travel1x everywhere else (the weakest baseline of the premium cards)
Signature perk$120 Uber Cash ($10 per month)$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
IssuerAmerican ExpressAmerican Express

Questions

Frequently asked.

Which is better, Amex Gold or Amex Platinum?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Amex Platinum wins if you travel internationally a few times a year, stay at higher-end hotels, and will actually use the monthly credits.

Can I have both the Amex Gold and the Amex Platinum?

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Both cards are issued by American Express, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Amex Gold or Amex Platinum?

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Amex Platinum has the higher annual fee at $895, compared to $325 for Amex Gold. Whether the pricier card is worth the difference depends on which credits and perks you use each year.