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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$729/yr
Annual Fee-$325
Net Value+$404
The Platinum Card from American Express
American Express · $895/yr fee
Total Value$4,172/yr
Annual Fee-$895
Net Value+$3,277
The Platinum Card from American Express wins by $2,873/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | American Express | The Platinum |
|---|---|---|
| Flights (direct or Amex Travel) | 3x | 5x |
| Prepaid hotels (Amex Travel) | — | 5x |
| U.S. Restaurants | 4x | — |
| U.S. Supermarkets | 3x | — |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (2)
Car Rental Loss & Damage Insurance
$75vs$125
Purchase Protection
$100vs$100
Only on American Express Gold (7)
Uber Cash Credit
$120/yrStatement Credits
Dining Credit
$120/yrStatement Credits
Resy Dining Credit
$100/yrStatement Credits
Dunkin Credit
$84/yrStatement Credits
Extended Warranty
$50/yrShopping & Lifestyle
Trip Delay Reimbursement
$30/yrInsurance & Protection
No Foreign Transaction Fees
$50/yrAccount Perks
Only on The Platinum Card (17)
Airline Fee Credit
$200/yrStatement Credits
Uber Cash Credit
$320/yrStatement Credits
Digital Entertainment Credit
$300/yrStatement Credits
Resy Dining Credit
$400/yrStatement Credits
Hotel Credit
$600/yrStatement Credits
Lululemon Credit
$300/yrStatement Credits
Saks Fifth Avenue Credit
$100/yrStatement Credits
Walmart+ Credit
$155/yrStatement Credits
CLEAR Plus Credit
$209/yrStatement Credits
Equinox Credit
$300/yrStatement Credits
Oura Ring Credit
$200/yrStatement Credits
Global Entry / TSA PreCheck Credit
$30/yrStatement Credits
Priority Pass Select
$200/yrTravel Perks
Trip Cancellation/Interruption Insurance
$100/yrInsurance & Protection
Cell Phone Protection
$83/yrInsurance & Protection
No Foreign Transaction Fees
$50/yrAccount Perks
Hotel Elite Status
$100/yrTravel Perks
American Express Gold Card
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The Platinum Card from American Express
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