American Express® Gold Card vs Platinum
American Express® Gold Card
$325/yr
7.5/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
American Express® Gold Card charges $325/yr with 1X base rewards. Platinum charges $895/yr with 1X base rewards. American Express® Gold Card offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
American Express® Gold Card
Lower annual fee ($325 vs $895)
Rewards Earning
American Express® Gold Card
4 earning categories
Benefits & Protection
Platinum
9 benefits vs 6
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
American Express® Gold Card wins for most people
The $570 fee difference is hard to justify unless you maximize premium benefits.
Apply for American Express® Gold CardPREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
American Express® Gold Card
| Dining | 4.0X |
| U.S. Supermarkets | 4.0X (up to $25,000) |
| Flights | 3.0X |
| Everything Else | 1.0X |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
American Express® Gold Card (6 benefits)
- Trip Delay Insurance (up to $500)
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status