Amex Gold vs. Platinum: Which Premium Card Offers More Value?

Amex Gold vs. Platinum

Comparing premium credit cards from Amex can be a headache when it comes to two of its most popular cards, the Amex Gold and the Amex Platinum. Given several differences between what you get from either card, it can take time to decide which provides more value, at least to your lifestyle and how you spend your money.

In this post, we will dig into the nuts and bolts of the two cards and compare their most significant features, benefits, and differences so that you can make an informed decision.

Key Features of Amex Gold and Amex Platinum:

  • Amex Gold Card

The Amex Gold Card is designed for those who enjoy dining and everyday spending. Here are its key features:

  • Annual Fee: $250
  • Welcome Offer: Earn 60,000 Membership Rewards points after spending $4,000 in the first six months.
  • Rewards Rate: 4x points at restaurants, including takeout and delivery, 4x points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x), 3x points on flights booked directly with airlines or on, and 1x points on other purchases.
  • Dining Credits: Up to $120 in annual dining credits ($10 monthly) at select partners.
  • Uber Cash: Up to $120 in Uber Cash annually ($10 monthly) for U.S. rides and eats.
  • Amex Platinum Card

The Amex Platinum Card is tailored for frequent travelers. Its key features include:

  • Annual Fee: $695
  • Welcome Offer: Earn 100,000 Membership Rewards points after spending $6,000 in the first six months.
  • Rewards Rate: 5x points on flights booked directly with airlines or through Amex Travel, 5x points on prepaid hotels booked through Amex Travel, and 1x points on other purchases.
  • Travel Credits: Up to $200 airline fee credit annually, $200 Uber Cash annually ($15 monthly and an extra $20 in December), $100 Saks Fifth Avenue credit annually ($50 semi-annually), and more.
  • Airport Lounge Access: Complimentary access to the Centurion Lounge, Priority Pass lounges, and more.

Comparing Rewards and Benefits:

  • Rewards Structure

The reward structure of each card is tailored to different spending habits. The Amex Gold Card is ideal for those who spend heavily on dining and groceries, offering high rewards. On the other hand, the Amex Platinum Card provides exceptional rewards for travel-related purchases, making it a great choice for frequent flyers.

  • Travel Benefits

The Amex Platinum Card excels in travel benefits, offering extensive credits and airport lounge access that can significantly enhance your travel experience. If you travel frequently and value comfort and convenience, the Platinum card’s perks can easily offset its high annual fee.

  • Dining and Everyday Spending

For those who dine out often or spend a lot on groceries, the Amex Gold Card offers excellent value with its 4x points on dining and supermarkets. The dining credits and Uber Cash further add to its appeal, making everyday spending more rewarding.

Additional Perks:

Both cards have additional features like purchase protection, extended warranty, and return protection. However, the Amex Platinum Card offers a broader range of travel-related perks, including hotel benefits and access to exclusive events.

Cost vs. Value:

  • Annual Fees

While the Amex Gold Card has a lower annual fee of $250 compared to the Amex Platinum Card’s $695, the value you get from each card depends on how you utilize its benefits. The Platinum Card’s higher fee can be justified by its extensive travel benefits and credits.

  • Value Calculation

To determine which card offers more value, consider using the Amex gold reward calculator and the Amex platinum reward calculator. These tools can help you estimate the rewards and benefits you can earn based on your spending habits and lifestyle, allowing you to make a more informed decision.


Choosing between the Amex Gold and Amex Platinum cards ultimately depends on your lifestyle and spending habits. The Amex Gold Card is a fantastic option for those who enjoy dining out and making everyday purchases. At the same time, the Amex Platinum Card is perfect for frequent travelers who can take full advantage of its extensive travel benefits. By evaluating your spending patterns and utilizing reward calculators, you can determine which card offers the most value for you.

About Aditi Singh 357 Articles
Aditi Singh is an independent content creator and money finance advisor for 5 years. She is recently added with Investment Pedia. Internet users are always welcome to put comments on her contributions.

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