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The American Express® Gold Card and The Platinum Card® from American Express are two of the best luxury cards you can have in your arsenal. Both cards earn Membership Rewards but offer different perks that cater to different lifestyles. While both cards come with plenty of rewards, one might be better for you than the other. Here’s our Amex Gold vs Amex Platinum comparison to help you decide.

Learn more: Johnny Jet Recommended Credit Cards

Which is better: the Amex Gold vs Amex Platinum? The American Express® Gold Card (pictured above) comes with Uber perks. Credit: American Express

Terms apply to American Express benefits and offers. Visit to learn more.

Amex Gold vs Amex Platinum

Which American Express card is better? It depends on your spending and travel habits. Both cards offer amazing perks that can help you save money while enjoying life. Both also have unique perks that can fit your spending habits. And both have welcome offers that are worth noting.

Welcome Offer

Both cards have enticing welcome offers for new cardmembers.

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Amex Platinum

The Platinum Card® from American Express currently offers the ability to earn 75,000 bonus Membership Rewards ($750 value) when you spend $5,000 in purchases during the first 6 months. You can also earn 10x Membership Rewards on eligible purchases at U.S. gas stations and U.S. supermarkets for the first 6 months (up to $15,000 in combined purchases, and then 1 point per $1).

Terms apply.

By trying for the Amex Platinum using the CardMatch™ tool, you may qualify for a targeted welcome bonus worth up to 125,000 bonus Membership Rewards.

The annual fee is $550 (See Rates & Fees) plus $175 for up to 3 additional Platinum cards.

Related: The Platinum Card From American Express Review

Amex Gold

The American Express® Gold Card is offering the ability to earn 60,000 bonus Membership Rewards ($600 value) by spending $4,000 in the first 6 months.

Terms apply.

This welcome bonus is smaller than the Platinum Card’s but that annual fee is only $250 (See Rates & Fees). The first 5 additional cards are free plus $35 per extra card starting with the sixth card.

When trying for the Amex Gold, you can choose either gold or rose gold as the color. Rose gold is back by popular demand as an ongoing card design option.

The welcome offer for either card is “once in a lifetime” so returning cardmembers won’t be able to earn a second Gold Card or a repeat Platinum Card bonus.

Related: American Express Gold Card Review

Earning Membership Rewards

Both cards earn American Express Membership Rewards.

Amex Platinum

The Platinum Card® from American Express earns up to 5x Membership Rewards on purchases:

  • 5x points on flights booked from or directly with the airlines (up to $500,000 per year on purchases)
  • Prepaid hotels booked with American Express Travel earn unlimited 5x points.
  • 1x points for everything else
  • Terms apply

Being able to earn 5x points on flights and hotel bookings makes the Amex Platinum one of the best cards for earning travel miles. Most cards earn up to 3x travel miles on similar purchases.

Amex Gold

The American Express® Gold Card lets you earn bonus points on travel and food-type purchases:

  • 4x points on dining (includes takeout and delivery)
  • 4x points at U.S. supermarkets (up to $25,000 per year, then 1x)
  • 3x points on flights booked directly with airlines or on
  • 1x point for everything else
  • Terms apply

The Gold Card makes it easy to earn bonus points on common lifestyle or travel purchases. You have to either buy groceries from a supermarket or support a restaurant whether you’re at home or on the road.

Redeeming Membership Rewards

The redemption options and point values for both cards are similar:

  • Award travel
  • 1:1 point transfers to airlines and hotel
  • Gift cards
  • Statement credits
  • Online shopping credits
  • Charity donations

Booking award flights on and requesting gift cards have the highest redemption values. Each point is worth 1 cent each (i.e., 75,000 Membership Rewards= $750).

Points are worth less than 1 cent each for other awards.

Learn more: Johnny Jet Recommended Credit Cards

Special Card Features

In addition to how you earn bonus Membership Rewards and the welcome bonus value, the extra card benefits are important to consider. The perks can help you save a small fortune during your daily routine.

Amex Platinum

As might be expected, The Platinum Card® from American Express has more special features than the Gold Card:

  • Global Entry or TSA PreCheck application fee credit
  • $100 onsite credit for qualifying activities like dining or spa treatments (minimum 2-night stay required to be eligible for the benefit; qualifying activities vary by property; enrollment may be required)
  • Accelerated loyalty status with Hilton Honors and Marriott Bonvoy (enrollment required)
  • Trip delay and trip cancellation insurance
  • Terms apply

Cardholders can also enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the U.S. annually after enrollment (Uber Cash and Uber VIP status is available to basic cardmember and additional Centurion Cards only). This can be one of the best cards for Uber services. Cardholders can also get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on their Platinum Card (up to $50 in statement credits semi-annually; enrollment required).

Complimentary access to the Global Lounge Collection is also included. Additionally, cardholders can receive complimentary benefits through American Express Travel with an average total value of $550 with the Fine Hotels & Resorts program (enrollment required).

Most of the Platinum Card perks are for frequent travelers.

Amex Gold

The American Express® Gold Card balance travel and dining privileges:

  • Up to $120 in annual Uber Cash for rides and eats (terms apply)
  • $120 annual dining credit at select brands ($10 per month; terms apply, enrollment required)
  • $100 on-site credit at The Hotel Collection of American Express Travel (2-night minimum)
  • Baggage delay insurance (up to $1,250 for carry-ons and $500 for checked baggage)
  • Terms apply

The $100 hotel credit is available to cardholders to spend on qualifying dining, spa, and resort activities, plus a room upgrade upon arrival (if available) when you book a stay of at least two consecutive nights with American Express Travel at over 600 properties. Note that qualifying activities vary by property.

The dining credits can be the most valuable benefits as you get $10 in monthly Uber Cash and $10 in restaurant statement credits.

Uber Perks

To use the annual Uber Cash perk, simply add your card to your Uber account and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum. This benefit applies only in the U.S. on U.S. orders at eligible restaurants and on eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

Dining Credit Perks

Cardholders can enjoy up to $120 dining credits annually, making it one of the best cards for dining and restaurants. They will earn up to a total of $10 in statement credits monthly when they pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Enrollment is required.

When to Go for the Amex Platinum

Choosing The Platinum Card® from American Express can be a better choice in these instances:

  • Are a frequent flyer
  • Want to earn 5x Membership Rewards on flights and hotels
  • Can use the airport lounge benefits
  • Prefer travel rewards to dining rewards
  • Want to earn a larger welcome bonus

Another reason to consider the Amex Platinum is if you want the most luxurious card that American Express offers to the general public.

It’s one of the most expensive cards but it has a valuable welcome bonus and many valuable travel perks.

Related: How Hard Is It To Get The American Express Platinum Card?

Which is better: the Amex Gold vs Amex Platinum? The Platinum Card® from American Express (pictured above) comes with travel perks. Photo by American Express

When to Go for the Amex Gold

The American Express® Gold Card is a great option for these reasons:

  • Want to earn bonus Membership Rewards on dining and grocery purchases
  • Can earn bonus points on flights booked directly from the airline or
  • Prefer dining credits to travel credits
  • Won’t regularly use the Platinum Card unique card benefits
  • Desire a lower annual fee

The Amex Gold doesn’t have as many travel benefits but that can be okay if you don’t need complimentary airport lounge access or Global Entry/TSA PreCheck.

This card is also a better option if you don’t travel frequently. You will most likely have an easier time maximizing the Amex Gold dining perks versus the Amex Platinum travel benefits.


Both the Amex Gold and the Amex Platinum are two of the best travel rewards cards due to the 1:1 point transfers and flexible rewards options. Whether you want to maximize travel or dining purchases settles the Amex Gold vs Amex Platinum comparison.

Learn more: Johnny Jet Recommended Credit Cards


Is Amex Gold better than Platinum?

The American Express® Gold Card can be better than The Platinum Card® from American Express if you want to earn bonus points on dining and grocery purchases but fewer Membership Rewards on travel.

The Gold Card also has more dining statement credits (up to $120 in dining credits and $120 in Uber Cash) which can be easier to redeem if you don’t travel often.

As an added benefit, the American Express® Gold Card is now available in rose gold.

Consider The Platinum Card® from American Express if you’re a frequent flyer that can benefit from these perks:

  • 5x Membership Reward travel purchase rewards (terms apply)
  • Global Lounge Collection membership (Centurion, Priority Pass (enrollment required), Escape, Delta Sky Club)
  • Global Lounge or TSA PreCheck application fee credit

Does it make sense to have the Amex Gold and Platinum?

Having both the Amex Gold and Amex Platinum can make sense if you use both cards enough to offset the annual fees.

You can use the American Express® Gold Card for its dining credits and 4x purchase rewards on dining and supermarket purchases. Then, you can use The Platinum Card® from American Express for travel bookings to earn 5x Membership Rewards along with the various travel credits and elite traveler benefits.

Is the Amex Platinum worth it?

The Platinum Card® from American Express can be worth having if you’re a frequent flyer and you can use the card’s various travel benefits.

Earning 5x Membership Rewards on qualifying flights and hotels along with the 1:1 point transfers is a good start.

But, to justify the $550 annual fee, you will need to use some or all of these benefits:

  • Up to $200 in Uber statement credits (rides or cash; enrollment required)
  • Global Lounge Collection airport lounge benefit
  • Global Entry or TSA PreCheck application fee credit
  • Fine hotels and resorts stay credits
  • Hotel Collection with American Express Travel $100 on-site credit
  • Trip cancellation and delay benefits

Staying at upscale hotels can easily utilize the hotel credits. Several flights and lounge visits can use the airline fee credit and airport lounge benefits.

The $200 in annual Uber credits is also easy to use as the monthly credit can be used for Uber rides or Uber Eats purchases. You can use these credits at home or when traveling across the United States.

Learn more: Johnny Jet Recommended Credit Cards

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Terms apply to American Express benefits and offers. Visit to learn more.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The American Express® Gold Card, please click here.


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