American Express Gold vs. Platinum

If you’re passionate about travel rewards, it’s high-end Travel credit cards Like American Express® Gold Card and American Express Platinum Card It’s probably on your radar.

However, when comparing American Express Gold and Platinum, you can see that either of these cards offers better rewards for your lifestyle. Amex Gold is perfect for foodies and offers points in restaurants around the world and supermarkets in the US. It also offers some notable travel rewards, as cardholders can earn money from prepaid hotels and flights booked through Amextravel.com.

In contrast, American Express Platinum should be able to fly regularly, take advantage of five times more points on flights booked directly with the airline, or take advantage of five times more points on American Express trips (expends up to $500,000 up to each calendar year). You will also receive prepaid hotel points booked with American Express Travel.

The two options are similar in many ways, but Amex Gold costs $370 each year Annual fees. Meanwhile, the Platinum Card offers a long list of travel perks and generous rewards for qualifying flights and hotel purchases. So, Which travel credit card Would you like to provide better value for your money? Let’s look into it.

Main details

card	American Express® Gold Card	American Express Platinum Card
Welcome bonus offer	Earn 60,000 Membership Rewards® Points after spending $6,000 on eligible purchases of new cards in the first six months of your card membership.	Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases of new cards for the first six months of your card membership.
Remuneration rate	Earn 4x Membership Rewards® Points per dollar spent on purchases at restaurants around the world, earning up to $50,000 per calendar year and 1x Points for the rest of the year. Earn 4x membership reward points per dollar spent in US supermarkets, purchases up to $25,000 per calendar year, and earn 1x points for the remaining year. Earn 3x membership reward points per dollar spent on flights booked directly through airlines or amextravel.com. Earn double Membership Rewards® Points per dollar spent on prepaid hotels and other eligible purchases booked through Amextravel.com. Earn 1x Membership Reward Points per dollar spent on all other eligible purchases.	Earn 5x Membership Rewards® Points for up to $500,000 per calendar year on flights booked directly with the airline or on American Express trips. Earn 5x Membership Rewards® Points at prepaid hotels booked with American Express Travel.
Intro April	none; See Payment for APR over time	none; See Payment for APR over time
Bonus Credits	Up to $524	Up to $1,825
Annual fees	$325	$695

American Express Gold vs. Platinum Highlights

Both of these reward cards allow you to earn points with what is valuable American Express Membership Rewards The program, but their unique rate of return and cardholder perks make them stand out. The following comparison of benefits can help you figure out whether American Express Gold Card or American Express Platinum Card is suitable for your wallet.

Which cards make more money?

Determining whether Amex Gold or Platinum is better for your situation comes mainly down to normal spending habits. Compare the rewards you can earn in a month with Amex Gold Card vs Platinum.

American Express Gold vs. Platinum Expense Example

Suppose you use your credit card and use the following amounts:

$200 for meals
$500 for groceries
$600 for non-category purchases such as gas, shopping, and mobile phone bills

If you use either an Amex Gold or Platinum card, here is how it plays:

	amex gold	Platinum Card
Eating out	Earn 4x points. Total of 800 points	Earn 1x points. Total of 200 points
Grocery	Earn 4x points. Total of 2,000 points	Earn 1x points. Total of 500 points
Non-categorised purchases	Earn 1x points. Total of 600 points	Earn 1x points. Total of 600 points

In this example, the total reward for using Amex Gold is 3,400 points. This is worth $34 when redeemed through American Express. When using a platinum card, the same amount of spending will only earn 1,300 points, or $13. Note that if redeemed with a high-value transfer partner, these values jump to an average of $68 and $26.

But what happens when you put a $400 round-trip airline purchase into both scenarios? With Amex Gold Card, you earn 3x points when you book a flight directly with the airline or book a flight on Via. American Express Trip. That is, if you redeem it at a rate of 1 cent:1 point, you earn 1,200 points, or $12.

In contrast, the Amex Platinum Card earns 5x points when booking directly on the airline or American Express Travel. So, if you redeem your ticket through the Amex Travel portal, you will generate 2,000 points, or $20.

Let’s recalculate the mathematics above:

	amex gold	Platinum Card
Eating out	Earn 4x points. Total of 800 points	Earn 1x points. Total of 200 points
Grocery	Earn 4x points. Total of 2,000 points	Earn 1x points. Total of 500 points
Non-categorised purchases	Earn 1x points. Total of 600 points	Earn 1x points. Total of 600 points
Airline purchases	Earn 3x points. Total of 1,200 points	Earn 5x points. Total of 2,000 points

Adding a flight to the example above will earn Amex Gold a total of $46. AmexPlatinum cards can be redeemed via Amex Portal (or $92 with the right transfer partner) when redeemed for the Amex Travel Portal (or $66 with the right high value transfer partner).

So overall, American Express Gold Card will earn you more rewards when you use it. Daily expensesthe American Express Platinum Card packs a big punch when used for travel purchases.

Why do I need to get Amex Gold?

Amex Gold Cards may be worth it It offers exceptional reward rates in everyday categories, allowing you to quickly create points even if you are not a frequent traveler. This card is great for foodies and foodies with a groceries and meal budget, but there are other reasons to consider signing up.

Why do I need to get an Amex Platinum?

If you travel frequently and want to be as comfortable as possible, a platinum card is the better option. The gorgeousness of this travel card advantage It is very broad so you can expect red carbonation treatment wherever you go. Meanwhile, flight and hotel reward rates are outstanding.

Conclusion

Is Amex Gold or Platinum better for you? That’s different. Choosing between the American Express Gold Card and the American Express Platinum Card can depend on which card benefits are tailored to your spending and lifestyle.

If you regularly like VIP experiences and glovetrot, Amex Platinum is a great option. But if you’re not overly fussing about luxury trips or travelling only a few times a year, Amex Gold offers better daily value and the opportunity to earn more rewards.

If you cannot determine these two American Express Credit Cardyou can also consider getting both. Both Amex Platinum and Amex Gold are in your wallet, allowing you to access top travel perks on the market and access enough bonus categories to earn as many American Express membership reward points as possible. No matter what you decide, there is an American Express card (or card combination) to suit your needs.