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American Express Gold Card vs The Platinum Card from American Express
Every benefit and earning rate compared in real dollars
American Express Gold Card
American Express · $325/yr fee
Total Value$754/yr
Annual Fee-$325
Net Value+$429
The Platinum Card from American Express
American Express · $895/yr fee
Total Value$4,032/yr
Annual Fee-$895
Net Value+$3,137
Amex Platinum wins by $2,708/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Amex Gold | Amex Platinum |
|---|---|---|
| Flights (direct or Amex Travel) | 3x | 5x |
| Prepaid hotels (Amex Travel) | 5x | 5x |
| U.S. Restaurants | 4x | – |
| U.S. Supermarkets | 4x | – |
| Prepaid car rentals & cruises (Amex Travel) | 2x | – |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (5)
Uber Cash Credit
$120vs$180
Resy Dining Credit
$100vs$400
Car Rental Loss & Damage Insurance
$75vs$125
Purchase Protection
$100vs$100
No Foreign Transaction Fees
$50vs$50
Only on Amex Gold (5)
Dining Credit
$120/yrStatement Credits
Dunkin Credit
$84/yrStatement Credits
Extended Warranty
$50/yrInsurance & Protection
Trip Delay Reimbursement
$30/yrInsurance & Protection
Venue Collection Concessions Credit
$25/yrShopping & Lifestyle
Only on Amex Platinum (15)
Digital Entertainment Credit
$300/yrStatement Credits
Hotel Credit
$600/yrStatement Credits
Lululemon Credit
$300/yrStatement Credits
Saks Fifth Avenue Credit
$100/yrStatement Credits
Walmart+ Credit
$155/yrStatement Credits
Global Entry / TSA PreCheck Credit
$30/yrStatement Credits
Centurion Lounge Access
$300/yrTravel Perks
Priority Pass Select
$200/yrTravel Perks
Trip Cancellation/Interruption Insurance
$100/yrInsurance & Protection
Cell Phone Protection
$83/yrInsurance & Protection
Hotel Elite Status
$100/yrTravel Perks
Airline Fee Credit
$200/yrStatement Credits
CLEAR Plus Credit
$209/yrStatement Credits
Equinox Credit
$300/yrStatement Credits
Oura Ring Credit
$200/yrStatement Credits
American Express Gold Card
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The Platinum Card from American Express
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