American Express® Gold Card vs. The Platinum Card® from American Express: Which Is Best for You?
Travelers who spend often with airlines, U.S. supermarkets and restaurants should consider these two travel credit cards. MoneyGeek compared differences between the American Express® Gold Card and The Platinum Card from American Express to help you find the best card for your needs.
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Both American Express cards reward cardholders generously and have no foreign transaction fees. With the American Express® Gold Card, you can earn four points for each dollar spent at U.S. supermarkets and restaurants. Meanwhile, the Platinum Card offers a $200 airline fee credit each year and 5x points when you book a flight through American Express Travel or directly with the airline.
Comparison Overview: American Express® Gold Card vs. The Platinum Card® from American Express
- American Express® Gold CardThe Platinum Card® from American Express
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
American Express® Gold Card At a Glance
The American Express® Gold Card has a welcome offer of 60,000 Membership Rewards points when you spend $4,000 on eligible purchases within your first six months of card membership. You also get a $120 dining credit and $120 for Uber each year. When you use your card to book flights through American Express or with the airlines directly, you get three reward points for each dollar.
- American Express® Gold Card
Best rewards card for frequent fliers and diners
- Good–ExcellentRecommended Credit
- $250Annual Fee
- 1–4 Points per $1Rewards Rate
- 4xRewards Rate on Groceries
- 3xRewards Rate on Air Travel
The Platinum Card® from American Express At a Glance
With the Platinum Card, you can earn 100,000 bonus reward points once you spend $6,000 on purchases within the first six months. You also receive $200 in airline fee credit each year.
- The Platinum Card® from American Express
A great rewards card for air travel with premium benefits
- Good–ExcellentRecommended Credit
- $695Annual Fee
- 1–5 Points per $1*Rewards Rate
- 5xRewards Rate on Air Travel
- 1xRewards Rate on Gas
In the table below, MoneyGeek listed differences between the American Express® Gold Card vs. The Platinum Card so you can choose which travel credit card suits your situation best.
- Card DetailComparison Summary
Travel Coverage and Purchase Protection
The American Express® Gold Card offers baggage insurance, car rental and loss insurance in eligible territories and purchase protection.
The Platinum Card provides purchase protection and insurance for your car rental, loss and baggage. On top of that, you also get complimentary travel insurance coverage.
Winner: The Platinum Card
You can earn 60,000 Membership Rewards points once you spend $4,000 on qualified purchases within your first six months with the American Express® Gold Card.
With The Platinum Card, you can earn 100,000 Membership Reward points when you spend $6,000 on purchases within the first six months.
Winner: The Platinum Card
The American Express® Gold Card offers 4x Membership Rewards per dollar on specific worldwide restaurants and U.S. supermarkets. You also get $120 Uber Cash and $120 dining credit annually.
With The Platinum Card, you get automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, premium car rental status for various car rental programs and airport lounge access.
Winner: The Platinum Card
The American Express® Gold Card has a $250 annual fee.
The Platinum Card annual fee is $695.
Winner: American Express® Gold Card
Which Card Should You Get?
The best travel credit card for you will depend on what you need. MoneyGeek listed important details that may fit what you’re looking for.
Who Should Consider the American Express® Gold Card?
Individuals who fly and dine frequently should consider the Gold Card since it has outstanding rewards points for dining, airlines and supermarkets. Unlike other cards, you can transfer your reward points to other airline and hotel loyalty programs to maximize your free travel, and even have a maximum of five authorized users with no additional annual fee.
Cardholders can earn four points for each dollar spent at U.S. supermarkets and three points per dollar if you use this card to book flights through American Express or directly with the airline.
The card can have up to five authorized users, which helps you earn points much quicker.
The card has no foreign transaction fees on purchases made outside the U.S.
≫ More: Read Our Full Review
Who Should Consider the The Platinum Card® from American Express?
The Platinum Card from American Express is a great option for frequent travelers that want luxury benefits and generous rewards. Cardholders get complimentary travel insurance, no foreign transaction fees, access to the American Express Global Lounge Collection, concierge services and more.
You can transfer points to partner airlines through their frequent flier programs.
You get complimentary Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status.
You can earn 5x points directly on airline purchases and prepaid hotels and flights booked through American Express Travel, up to $500,000 per year.
Both of these cards are solid options for consumers that spend generously, and want significant rewards. However, the divider between the two cards is the lifestyle of the cardholder. If you are a regular traveler, meaning more than once a quarter, you may find the Platinum Card worth it. If you travel a few times per year and enjoy eating out, the Gold Card will get the job done. While The Platinum Card is packed with benefits, the $695 annual fee is a steep ask. So if you decide the Platinum Card is your best choice, be sure to have a plan to utilize the benefits.
Other Helpful Decision-Making FAQs
MoneyGeek listed frequently asked questions about the American Express® Gold Card vs. The Platinum Card to better show the differences between both travel credit cards.
Still Not Sure About These Cards? Consider These Options
If you aren’t fully convinced by the generous benefits and features of the American Express® Gold Card and The Platinum Card, you might want to check the other travel credit cards.
Capital One Spark Miles for Business
Capital One Venture Rewards Credit Card
IHG® Rewards Traveler Credit Card
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Marriott Bonvoy Bold® Credit Card
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Chase Sapphire Reserve® Card
Southwest® Rapid Rewards® Performance Business Credit Card
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Southwest Rapid Rewards® Premier Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Costco Anywhere Visa® Business Card by Citi
United℠ Business Card
United Club℠ Infinite Card
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United Gateway℠ Card
Citi® / AAdvantage® Executive World Elite Mastercard®
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American Airlines AAdvantage® MileUp® Card
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Merrick Bank Double Your Line® Secured Credit Card
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Capital One Quicksilver Student Cash Rewards Credit Card
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Bank of America® Travel Rewards Credit Card for Students
Navy Federal Credit Union Visa Signature cashRewards Card
Navy Federal More Rewards American Express card
Fit Mastercard® Credit Card
Milestone® Gold Mastercard®
Disney® Premier Visa® Card
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Marriott Bonvoy Brilliant™ American Express® Card
The Plum Card® from American Express
U.S. Bank Altitude® Connect Visa Signature® Card
Citi® Double Cash Card
Credit One Bank® Platinum X5 Visa®
Credit One Bank® NASCAR® American Express® Credit Card
The Platinum Card® from American Express
Wells Fargo Active Cash® Card
The Blue Business® Plus Credit Card from American Express
American Express Cash Magnet® Card
American Express® Gold Card
Marriott Bonvoy Business® American Express® Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Spark Cash Plus
Chase Freedom® Student Credit Card
Chase Freedom Unlimited®
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Chase Sapphire Preferred® Card
World of Hyatt Credit Card
Citi® Diamond Preferred® Card
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa® for Rebuilding Credit
Deserve® EDU Mastercard for Students
Mastercard® Black Card™
Mastercard® Titanium Card™
Simmons Rewards Visa Signature®
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Visa® Platinum Card
American Express Blue Business Cash™ Card
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
American Express® Business Gold Card
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum American Express Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Capital One SavorOne Cash Rewards Credit Card
Capital One Platinum Secured Credit Card
Capital One Spark Cash Select - $500 Cash Bonus
Capital One VentureOne Rewards Credit Card
Aer Lingus Visa Signature®
British Airways Visa Signature® Card
Chase Freedom Flex℠
Iberia Visa Signature® Card
IHG® Rewards Premier Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Costco Anywhere Visa® Card by Citi
Citi Premier® Card
Citi Rewards+® Card
Citi® Secured Mastercard®
The Business Platinum Card® from American Express
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve American Express Card
The Hilton Honors American Express Business Card
Hilton Honors American Express Card
Learn more about credit cards in general
- American Express. "Important Information Regarding Rates, Fees, and Other Cost Information." Accessed January 7, 2022.
- American Express. "Welcome to Membership Rewards!." Accessed January 7, 2022.
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