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The American Express® Gold Card and The Platinum Card® from American Express are not only some of the best American Express cards, but they are also two of the best cards you can have in your arsenal. Both cards earn valuable Membership Rewards® points but offer different perks that cater to different lifestyles. Here’s our Amex Gold vs Amex Platinum comparison to help you decide.

Learn more: Johnny Jet Recommended Credit Cards

Get dining perks with the American Express® Gold Card. Credit: American Express

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com 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 benefits 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 card members to earn and enjoy. Note that both cards have offers that can be earned in 6 months. Most banks require the spending requirements to be made in 3 months.

Amex Platinum

New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $6,000 on purchases on their new Card in the first 6 months of Card Membership. Plus, they can apply and select their preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Learn more: Johnny Jet Recommended Credit Cards

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. 

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. When trying for the Amex Gold, you can choose either gold or rose gold as the color of your card.

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.

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.

Earning Membership Rewards

Both cards earn American Express Membership Rewards.

Amex Platinum

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

  • Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year
  • Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
  • 1x point 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. Being able to earn points on different hotel and airline purchases make this ideal if you want flexibility and aren’t committed to only one hotel or airline.

Related: The Platinum Card from American Express review

Amex Gold

The American Express® Gold Card earns 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earns 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Plus, earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.

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.

Related: American Express Gold Card Review

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 AmexTravel.com and requesting gift cards have the highest redemption values. Each point is worth 1 cent each (i.e., 80,000 Membership Rewards= $800).

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

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.

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

This is one of the best travel cards.

Terms apply. Enrollment may be required.

Earn rewards with your American Express card while you get some shopping done. Credit: American Express

Other Platinum Card from American Express Benefits

There’s also a digital entertainment credit. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required. This can be one of the best cards for streaming services

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $189 back per year on their CLEAR® membership. Terms apply.

Another exciting benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when they pay with their Platinum Card®. This amounts to up to $300 annually. Enrollment required. 

There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.

Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.

Amex Gold

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

  • $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.

This can be a great hotel card if you want to use it at various locations.

Dining Credit Perks

Cardholders can enjoy up to $120 dining credits annually, making it one of the best cards for dining and restaurants.

Another perk is the ability to earn up to $10 in statement credits on a monthly basis when you use your Gold Card to pay at the following dining establishments (enrollment is required):

  • Grubhub
  • The Cheesecake Factory
  • Goldbelly
  • Wine.com
  • Milk Bar
  • Shake Shack (only at participating locations)

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?

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 AmexTravel.com
  • 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.

Summary

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

FAQs

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. 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
  • CLEAR benefits (terms apply)

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 $695 annual fee, you will need to use some or all of these benefits:

  • Global Lounge Collection airport lounge benefit
  • 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.

Learn more: Johnny Jet Recommended Credit Cards

Related Articles:

Terms apply to American Express benefits and offers. Visit americanexpress.com 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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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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