Amex Gold vs. Platinum Comparison (2024)

FAQs

Is Amex Platinum better than Amex Gold? ›

If you love a VIP experience and globe trot regularly, then the Amex Platinum is a fantastic option. But if you're not overly fussed about luxury travel or only travel a few times each year, the Amex Gold offers better value and more rewards-earning opportunities.

If most of your spending is on dining and supermarkets, the Amex Gold Card's 4X rewards can be immensely valuable. However, if you have substantial travel expenses, the Amex Platinum Card might be a better choice with its 5X rewards on direct airline purchases, prepaid hotels, and Amex Travel bookings. Terms apply.

The American Express® Gold Card is considered a luxury card since it's a metal card with impressive rewards on dining, groceries, and travel.

If you have a Platinum Charge Card, you can add one complimentary Platinum Supplementary Card and up to four complimentary Gold or Green Supplementary Cards. Gold and Green Supplementary Cards only receive the insurance benefits, Amex Offers, and the opportunity to earn you Membership Rewards points.

The American Express® Gold Card falls between entry-level rewards cards and top-tier luxury cards. It lacks some premium perks, such as airport lounge access and elite status benefits, but it offers more value than most lower-cost cards.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why It's One of the Most Exclusive Credit Cards: The most exclusive, prestigious credit card is without a doubt the American Express Centurion Card, otherwise known as the Amex Black Card.

Upgrading your Amex Gold Card to Platinum is a straightforward process. Simply call the customer service number on the back of your card or use the live chat feature online. If you have received a targeted offer in your inbox, it should include a link to a webpage to begin the upgrade process.

The Amex Platinum has an annual fee of $695, but for many travelers, the card's benefits will more than offset that charge. If you can maximize all of its annual statement credits, you're looking at nearly $1,600 in value. Plus, the various other benefits of the card can be worth even more for most frequent travelers.

American Express will pull your credit when you apply. And since it features some pretty decent benefits, the American Express® Gold Card requirements for approval tend to be a little stricter. We recommend that you have a good to excellent credit score, which ranges from 690-850, before you apply.

Cons. The $325 annual fee could be hard to offset if you don't take advantage of the card's annual credits and transfer partners. Unlike some competing premium travel rewards cards, it doesn't offer lounge access or travel credits.

Why is Amex Gold card so popular? ›

But the Amex Gold offers far more value than many rewards credit cards—including 4 points per dollar for spending on food (terms apply)—one of our biggest expenses each month. Combine that with the monthly dining credits and travel bonus spending, and we can easily get over $1,000 in value each year from this card.

It might be a status symbol - but one of the priciest credit cards on the market may not be worth the hassle for a large chunk of consumers. The American Express (AXP) Platinum card offers a long list of benefits, including multiple $200 credits for airfare, hotels and Uber (UBER).

Should I get the Amex Gold or Amex Platinum? If you spend more on dining and groceries, you should opt for the Amex Gold. However, if you fly frequently and want lounge access, you'll want to opt for the Amex Platinum. Both cards have many benefits and credits to help justify their annual fees.

If you really want to rack up Amex Membership Rewards points and cash in on travel, you may consider adding both cards to your wallet. But again, the annual fees can be a major factor. Combined, you'll pay a whopping $1,020 each year to own both the Amex Gold and Amex Platinum cards.

The Platinum Card® from American Express is one of the top premium travel cards available. It comes with travel credits, hotel elite status, access to an impressive lounge collection, travel protections and other luxury perks. Terms apply.

Among the most luxurious travel cards, few can rival The Platinum Card® from American Express. This card can give you more than $1,500 in annual spending credits for services like Uber and Walmart+. It also earns 5x points per $1 spent on flights booked directly with airlines or through American Express Travel.

The Platinum Card® from American Express is a prestigious metal credit card designed for big spenders who travel often, and it offers generous perks. For example, it provides a substantial initial bonus, valuable ongoing rewards, concierge service, and airport lounge access.

To be eligible for the Amex Platinum Card^® you'll typically need a good to excellent credit score. This makes it one of the more difficult cards to be approved for.

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.