12 Difference Between American Express Gold And Platinum Cards


American Express gold card is better choice if you are interested in getting big rewards on dining , groceries and travel.

Amex platinum is better choice if you travel frequently and interested in luxury travel perks.

1. Reward Rate:

Amex Gold:

4 points per dollar spent at U.S. supermarkets (up to $25,000 in purchases per year).
4 points per dollar spent at U.S. restaurants.
3 points per dollar spent on flights booked directly with airlines or on amextravel.com.
1 point per dollar on all other purchases.

Amex Platinum:

5 points per dollar on flights booked directly with airlines or American Express Travel
5 points per dollar on prepaid hotels booked through amextravel.com
1 point per dollar on general purchases.

2. Intro Bonus:

Amex Gold:

Earn 35,000 Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.

Amex Platinum:

Earn 60,000 points after you spend $5,000 in purchases in your first 3 months.

3. Annual Fee:

Amex Gold:

$250 annual fee

Amex Platinum:

$550 annual fee

4. Perks & Credits:

Amex Gold:

$100 airline incidental credit
$120 in annual dining credits
$100 hotel credit and a 2- point rewards bonus at participating hotels when you prepay for two consecutive nights

Amex Platinum:

$200 airline incidental credit
$200 in annual Uber credits
$100 annual Saks Fifth Avenue credit
Access to American Express airport lounges and partner lounges
Up to $100 fee credit for Global Entry or TSA PreCheck
$100 hotel credit and free room upgrade when available when you book two consecutive nights with American Express Travel
Free upgrade to Starwood Preferred and Hilton Honors Gold status

5. No foreign transaction fee on both cards.

6. Purchase protection. Platinum and Gold Card members both get extended warranties for one year past the manufacturer’s warranty on eligible purchases made with their card.

7. Why you should get Amex Gold:
If you don’t want huge annual fee.
If you are moderate spender.
If you want to earn bonus on dining and groceries.

8. When you should get Amex Platinum:
If you want best of everything.
If you want large introductory bonus.
If you are frequent travelers.

9. Other Benefits:

Amex Gold:

Personalized travel service
Travel discounts
Purchase protection
Extended warranty
Return protection
Auto purchase discount
Shop Runner service
Dining and entertainment discounts
Presale event tickets
Preferred seating at events

Amex Platinum:

Car rental insurance
Free roadside assistance
Purchase protection
Return protection
Baggage insurance

10. Cons:

Amex Gold:

The Gold card doesn’t offer as many complimentary perks as the Platinum card.

Amex Platinum:

Annual fee is extremely expensive.
You will need frequent travelling to get enough rewards to make up for annual fee.

Click Here to Read Full Review Of American Express Gold Card.

Click Here To Read Full Review Of American Express Platinum Card.

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