(The current public offer is 60,000 points.). Both cards have tangible benefits like annual statement credits that make up for the annual fee, but there are some pretty significant differences between them. Second, you canget up to $200 in Uber credits each cardmember year, which is broken down into monthly chunks. Third-party service costs may be your responsibility. Terms, conditions and limitations apply. Here are the most important aspects of each card to help you narrow down your choice. Each month, cardholders receive $15 of credits to use on Uber rides or for Uber Eats. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Underwritten by AMEX Assurance Company. The Platinum Card from American Express and the American Express Gold Card are your two best options for earning Membership Rewards. Something went wrong. Best Offer Ever. Content published under this author byline is generated using automation technology. Eligibility and benefit level varies by card. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Not all vehicle types or rentals are covered. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. The level of access offered by the Amex Platinum card has become the gold standard among premium travel rewards cards. He primarily covers airlines and air travel. Since both cards are part of the Amex Membership Rewards program, it's easy to compare the welcome bonuses directly. You must pay for the entire common carrier ticket with your card. (Photo by Zach Griff/The Points Guy) American Express cardmembers with a Centurion or Platinum-branded card such as The Platinum Card from American Express or The Business Platinum Card from American Express have access to Amex Centurion Lounges. Enrollment required. If you travel frequently, youll find the complimentary access to over 1,400 lounges in the American Express Global Lounge Collection an impressive perk. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Is the Amex Platinum worth the annual fee? The Platinum card offers up to $200 of annual airline incidental reimbursement, up to $200 in statement credits on select prepaid hotel bookings, a $155 Walmart+ statement credit that covers the full cost of a monthly membership ($12.95 per month, plus applicable taxes) and annual credits for digital entertainment, Saks Fifth Avenue, Equinox and the SoulCycle At-Home Bike through Equinox+. Despite the supermarket spending perk, Gold still emphasizes travel and dining, but also adds: Consider the Gold Cardif: you travel and dine out often, can pay the $250 annual fee,4 and want to boost your rewards-earning potential from regular supermarket shopping. There are several questions you can ask yourself when youre considering applying for any travel rewards card: With these questions in mind, you can review the benefits that come with each card and a clear winner that matches your purpose will surface. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). 3% cash back at U.S. supermarkets, on up to $6,000 in yearly purchases. That would mean you're not just making up for the annual fee, you're actually getting more value than the fee in the first place. Visit americanexpress.com/benefitsguide for more details. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Please keep in mind that the primary cardholder is responsible for charges made by authorized users. We'll run a soft credit check to find special offers, but it wont affect your credit score. Terms, conditions and limitations apply. Stay up-to-date on the latest credit card news from product reviews to credit advice with our newsletter in your inbox twice a week. Visit americanexpress.com/benefitsguide for more details. The American Express Gold card earns more rewards when used for everyday spending, while the American Express Platinum card packs a bigger punch when you use it Read about benefits, costs and credit requirements to decide which card is better for And up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. Just make sure to add your Gold Card to your Uber account first. If you purchase a lot of flights directly through an airline and Amex Travel, youre going to find that the Amex Platinum card fits that spending profile. That's because booking frequent flyer "award tickets" is different than buying reservations outright you canread more about how it works here. Tip: Both the American Express Gold Card and the Platinum Card from American Express are known for promoting targeted offers in CardMatch, CreditCards.coms tool for matching you with card offers aligned with your credit profile. Every January, you pick one airline for that credit to apply toward. The Platinum Card offers automatic elite status with select travel programs: You can also get discounts when booking international roundtrip flights through American Express Travel. The Business Platinum Card from American Express, Monorail to Mickey: Review of Disneys Contemporary Resort, 10 points and miles tasks to complete by the end of the year, Buy Virgin Points and get up to a 70% bonus with Virgin Atlantics best-ever promotion, More flexible than ever: Why you should care about Aeroplan even if you never visit Canada. Terms, conditions and limitations apply. Read on to learn more about the Amex Gold Card and Platinum Card and to see which is better for you. We'd love to hear from you, please enter your comments. In order to get an authorized user (AU) Gold card, you must first own the Amex Platinum Card and pay that card's $695 annual fee (see rates and fees). Owning the card will grant you entry to the exclusive Centurion Lounges and the newly rebranded Centurion Studios. plane, train, ship, or bus). Both cards also offer various travel insurance and purchase protection benefits. This can give you peace of mind if you end up missing a connecting flight or if you get injured, among other reasons. Luxury perks: The Platinum Card from American Express. Cost includes $12.95 plus applicable local sales tax. The Amex Platinum card comes with a premium Platinum Concierge service. Platinum Lets start with a side-by-side-by-side breakdown of the key features of all three of these popular American Express travel cards. Essential reads, delivered straight to your inbox. If you own both cards, use the Amex Platinum to pay for flights and prepaid hotels and the Amex Gold to pay for your supermarket and dining purchases to earn the most points possible on every dollar you spend. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Earn 150,000 points. American Airlines vs. competitors: How it stacks in 2022 Gold. Perhaps the most straightforward of American Express cash back Cards is the Cash Magnet, with unlimited 1.5% cash back on all eligible purchases. Both cards offer identical extended warranty protection that offers up to an additional 2 years, in addition to the manufacturers warranty, for eligible purchased items. Upgraded Points. Coverage is secondary to other auto insurance and valid worldwide with the exception of Australia, New Zealand, and countries on the Office of Foreign Assets Control sanctioned list. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The best American Express Card for you depends on where you spend your money, how much you typically spend, and how you like to earn your rewards. Welcome bonuses are awarded after youve completed a minimum spending requirement in the first 3 months after card approval. Visit americanexpress.com/benefitsguide for more details. When you pay with your card,statement credits are earned on a monthly basis of up to $20 and can be earned on purchases at any qualifying entertainment partner. Coverage limits apply. 3% cash back at U.S. online retailers, on up to $6,000 in yearly purchases. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Membership Rewards points are earned by spending on an American Express card that is affiliated with the Membership Rewards program. Why Active-Duty Service Members Should Get the American Express Platinum Military CardMembership Rewards Points. The American Express Platinum Card gives active military members access to its Membership Rewards program.Entertainment, Dining and Shopping Rewards. Travel Rewards and Credits. Additional Member Services. American Express Platinum Military Application. American Express Platinum Annual Fee Waived for Military Members. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. - Alex & Erin. Welcome offers are awarded only in the first year of card ownership, so beyond that period of time, youll want a card that closely aligns with your spending profile in order to continue earning plenty of rewards. Whether exploring with his family, a group of friends, or on his own, Jeff always makes sure to absorb the local culture, taste as many new cuisines as possible, and visit a few small breweries when he's away from his home in the Washington, DC area. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. For the extended warranty benefit of the American Express Gold Card, when an American Express card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturers warranty. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This card also stretches your purchasing power with select retail and entertainment brands. American Express offers multiple Card types travel and dining, everyday spending, and cash back each with a unique mix of rewards and benefits so you can find the best match for your purchasing preferences. Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Visit americanexpress.com/benefitsguide for more details. You can save hundreds of dollars each year or earn additional Membership Rewards points per dollar spent with the Amex Offers that are available with either card. Platinum vs. Gold Weight. There is a considerable difference in the weight of gold and platinum, which affects the way it feels to wear it. If you prefer weightier jewelry, platinum is the better option. A cubic centimeter of platinum weighs 21.4 grams. The same amount of pure gold weighs 19.3 grams. welcome offer of up to 150,000 points with the Amex Platinum card! While the Amex Platinum card offers over $1,500 in credits per year, the Amex Gold card comes with $240 in credits. Up to $120 in Uber Cash ($10 each month) for Uber Eats orders or Uber rides in the U.S. Up to $120 in credits at select dining outlets ($10 each month), Add up to 3 additional authorized users for an additional $175 total, No-fee basic Gold cards for authorized users (not the same as the Amex Gold card) (, No fee for up to 5 authorized users, then $35 annually per additional card (, Marriott Bonvoy Gold Elite status upon enrollment, Hilton Honors Gold status upon enrollment, Redeem points for flights with Amex Travel (1 cent per point), Shop at the online Amex shopping mall portal, No-fee basic Gold cards for authorized users (not the same as the Amex Gold card), For rates and fees of the Amex Platinum card, please click, Add up to 5 additional card members for no additional charge, The sixth and any additional cards are $35 each, For rates and fees of the Amex Gold card, please click, Urgent message relay to family and friends, Emergency cash wire transfer that can be charged to your card. Two of the most popular cards offering Membership Rewards are the American Express Gold Card and The Platinum Card from American Express. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Megan Doyleis abusiness technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion. The Amex Platinum card and the Amex Schwab Platinum card are mostly identical when it comes to earnings, redemption options, benefits, annual fee, and adding authorized users. These two American Express Cards Amex EveryDay and Amex EveryDay Preferred reward you for regular spending, from restocking the fridge to filling the gas tank and more. It has not been provided or commissioned by the credit card issuers. Earn 5x Membership Rewards Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Eligibility and benefit level varies by card. The right Credit Card for you depends on your lifestyle and spending preferences. Earn 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefits of the American Express Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Power, American Express came in first. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Visit americanexpress.com/benefitsguide for more details. The Amex Gold card is more of an everyday rewards-earning card for the traveler. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Amazon Affiliate Disclosure: Jones-Dengler Marketing, LLC via The Vacationer is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. But the Platinum card also comes with many perks to help offset the annual cost. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Travelers interested in elevating their travel experience at the airport should take full advantage of the lounge access privileges granted by the American Express Platinum Card. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. out Insider's experts choose the best products and services to help make smart decisions with your money (heres how). Terms, conditions and limitations apply. The Platinum Card is the more premium of the two cards it has a $695 annual fee compared to a $250 annual fee for the Amex Gold Card. Terms, conditions and limitations apply. Both cards have annual statement credits that can help offset their annual fees. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. Eligibility and benefit level varies by card. Applies to warranties of five (5) years or less. Its prudent to look at the entire package before selecting a card based solely on the size of the welcome offer. Why isnt one of the best perks for the Platinum card the fact that you get a FREE Gold card with it? Terms of Service apply. The Platinum Card offers more luxury travel benefits, like airport lounge access and monthly statement credits for Uber, while the Amex Gold Card's perks and bonus categories are more geared toward dining. One area where the American Express Gold card shines in this comparison is earning points on everyday expenses. Eligibility and benefit level varies by card. Banco Popular, Banreservas y BDH se mantienen en el Top 3 de emisores y gestionan en conjunto ms del 60% del mercado. How do I find and add Amex Offers to my Card? $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Underwritten by AMEX Assurance Company. Earn 1X Membership Rewards points on all other purchases. With the Platinum Card, youll also get access to Delta Sky Club lounges when flying same-day on Delta flights, Priority Pass Select lounges and more (enrollment required). Platinum shines for avid travelers, with 5X points for flights booked directly with airlines or Amex Travel on up to $500,000 a year in purchases, and 5X points on hotels booked and paid in advance through Amex Travel. If you spend more at grocery stores or at restaurants, the Gold will be more rewarding. Eligibility and benefit level varies by card. Amex offers a few ways to use Membership Rewards points. For the purchase protection benefit of The Platinum Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. The. The American Express Business Platinum Card gives your enterprise access to Amexs business partners, offering over $1,000 in credits for business services. For more tips on how to redeem your Membership Rewards, check out our guide on the best ways to spend American Express points. For more information on our advertisers, see here. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. It can help protect covered purchases made on your eligible card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. Since TPG currently values Membership Rewards points at 2.0 cents each, the bonus is worth $1,200. 2022 American Express. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. For the Amex Platinum, you can add up to three authorized users for a total of $175 per year and then an additional $175 annual fee for any following authorized user. Read our in-depth guide for more! For an explanation of our Advertising Policy, visit. terms, conditions and limitations apply. Gold or Rose Gold. Each card caters to different spending habits and the pricier Platinum Card may not be as expensive as you think. Visit americanexpress.com/benefitsguide for more details. The Business Platinum Card from American Express. Cardholders receive Marriott Bonvoy Gold Elite status and Hilton Honors Gold status. Having your bag lost, stolen, or damaged can put a damper on your trip. Underwritten by AMEX Assurance Company. An additional user on the Amex Gold card can use the card for everyday purchases such as grocery shopping and dining out, which earns you points quickly. Interested in earning Membership Rewards points for the purchases you make every day? Cardholders also have access to the Fine Hotels & Resorts collection of properties to offer amenities such as room upgrades, complimentary breakfast, late checkout, early check-in, complimentary Wi-Fi, and a special welcome gift. 4For more on Rates and Fees for the American ExpressGold Card, clickhere. Making the choice to have an American Express card in your wallet is an easy decision, especially when the card earns flexible Membership Rewards points and comes with a long list of benefits. Gold or Rose Gold. For your New to The Points Guy? With numerous airline partners, youll have access to award flights on British Airways, Cathay Pacific, Delta Air Lines, Etihad Airways, and many more. Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months. For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account by January 3, 2023. How Platinums Elevated Lifestyle Benefits Can Help Make Every Day an Adventure. Since its a one-time perk (versus the annual fee, which shows up every year), though, Im leaving it out. Visit americanexpress.com/benefitsguide for more details. The Amex Platinum reward categories include: The Platinum Card has one of the highest earn rates for airfare purchases when most rewards credit cards earn 2-3x points. Reasonable efforts are made 3For more on Rates and Fees for the American Express Green Card, clickhere. As might be expected, The Platinum Card from American Express has more special features than the Gold Card. American Express Gold Card. You should also check the CardMatch Tool to see if youre targeted for a 75,000-point Gold Card offer (subject to change at any time). The Platinum Card . These cards won't be worth it if you're paying interest or late fees. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. No responsibility will be taken by the bank advertiser for these comments. In some cases, we receive a commission from our our partners, however, our opinions are our own. Sign up for our daily newsletter and check out our beginners guide. For the baggage insurance plan benefit of the American Express Gold Card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. Incidental air travel fees charged by both Platinum and Gold card members are eligible for statement credits (up to $200 annually). With a wide variety of benefits to fit every lifestyle, youre sure to find some ways to upgrade your life with what The Platinum Card provides. How do you upgrade your Amex Gold card to the Amex Platinum card, and does it make sense to do so? Underwritten by New Hampshire Insurance Company, an AIG Company. 4 points per dollar at restaurants, plus takeout and delivery in the U.S. 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or amextravel.com, 2 points per dollar on prepaid car rentals through amextravel.com, 1 point per dollar on all other purchases, 5 points per dollar on flights booked directly with airlines or at American Express Travel on up to $500,000 on these purchases per calendar year; after that, its 1 point per dollar, 5 points per dollar on prepaid hotels booked through American Express Travel, Up to $120 in annual Uber Cash ($10 each month)*, $155 Walmart+ statement credit when you pay for your membership of $12.95 each month (monthly cost includes applicable local sales tax), Up to $200 in annual Uber Cash ($15 each month with a $20 bonus in December), Up to $100 annual Saks Fifth Avenue credit ($50 for purchases made between January and June and another $50 for purchases made between July and December), Up to $300 annual statement credit on the SoulCycle At-Home Bike through Equinox+, $100 property credit and upgrade (when available) when booking hotel stays of two nights or longer through the Amex Hotel Collection, Transfer points to American Express travel partners, Up to $100 application fee credit for Global Entry or TSA PreCheck. Earn 150,000 points. When you add an authorized user to your card, that person can make charges on the card. Your spending earns Membership Rewards points that can be redeemed in a variety of ways, such as travel, gift Cards, and statement credits. Performance information may have changed since the time of publication. For rates and fees of the Amex Platinum, click here.For rates and fees of the Amex Gold, click here. Vacationer and/or The Vacationer are trademarks of Jones-Dengler Marketing, LLC, Privacy Policy | Do Not Sell My Personal Information | Accessibility Statement, How to Get Through TSA Airport Security Faster, Best & Worst Days to Fly for Christmas and New Year's, American Airlines Baggage Fees & Allowance, Best Ways to Earn United MileagePlus Miles, Capital One Venture X Rewards Card Benefits, Capital One Venture Rewards Card Benefits, Best Credit Cards for Rental Car Insurance, Best Credit Cards for Global Entry & TSA PreCheck, Best Credit Cards for Airport Lounge Access, Credit Score Requirements for the Amex Gold Card, $175 for up to 3, then $175 each for 4th or more card, $0 for the first 5 and then $35 for the 6th or more card, 100,000 Membership Rewards after spending $6,000 in 6 months ($1,000 value), 60,000 Membership Rewards after spending $4,000 in 6 months ($600 value), 5x on flights booked directly through airlines or with American Express Travel (up to $500,000 per year). This can be tricky, but there are a ton of helpful guides online. Terms, conditions and limitations apply. Amex Platinum ultimately offers more value, though. Another option is to use points tobid for upgrades on a flight. (The current public offer is 80,000 points. Each Card category has several unique variations with different benefits and ways to earn rewards. The Platinum Card also comes with a raft of included protections and insurances that could give you peace of mind when youre on the go. Plus, your own feed of TPG content. Geographic restrictions apply. Visit americanexpress.com/benefitsguide for more details. Enrollment is required in the Amex Offers section of your account before redeeming. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. The additional value of statement credits, elite status benefits, and travel protections makes the card a good choice for those travelers who will utilize the benefits. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and six kids. Privacy Policy. 10For more on Rates and Fees for the Blue Cash Everyday Card, clickhere. This distinction can lead to some confusion for those expecting to get the better-known version of the Amex Gold Card and its 4x Membership Rewards points at restaurants and 4x points at U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1x point). As an Amex Platinum cardmember, youll earn valuable Membership Rewards points, receive up to $1,500 in annual statement credits (as long as you can take advantage of Josh Patoka writes about maximizing travel rewards for The Vacationer. The Platinum Card from American Express and the Delta SkyMiles Reserve American Express This Amex Platinum Card vs. Amex Gold Card comparison looks at the various perks. Featured Image Credit: The Amex Gold card does not offer any complimentary airport lounge access. Whether you decide the Amex Gold Card or the Platinum Card is best for your needs, you'll have a great tool for earning points on all your spending. Amex Gold vs. Amex Platinum: The biggest differences, Amex Platinum versus the Amex Gold: Bonus categories, Capital One VentureOne Rewards Credit Card, Fee-only vs. commission financial advisor, See Business Insider's list of the best rewards credit cards , Insider values Amex Membership Rewards points, you pick one airline for that credit to apply toward, get up to $200 in Uber credits each cardmember year, fly long-haul in first or business class with points, Up to a $100 credit for TSA PreCheck or Global Entry, it works like Amazon Prime in a lot of ways, The best credit cards for average or fair credit, The best rewards credit cards of December 2022, $175 for 3 cards, then $175 for each additional card, If you want to earn Amex Membership Rewards points to book travel, both The Platinum Card from American Express. Full List of American Airlines Flagship Lounges Locations, Hours, & More, The 9+ Best Credit Cards That Get You Priority Pass Lounge Access [2022], Hotel and Rental Car Program Elite Status and Benefits, Travel Benefits and Insurance Provided With Both Cards, Trip Interruption, Trip Cancellation, and Trip Delay Coverage, Shopping Benefits Provided With Both Cards. Both cards have annual fees, but thanks to statement credit benefits, the effective fees are lower than you might think. But if you use your Card for 20 or more purchases within a billing period, you can get a 20% point bonus on that months purchases. That means potentially being able tofly long-haul in first or business class with points, among other things. However, all three cards have trip delay insurance, which covers out-of-pocket expenses incurred when a flight is delayed. When booking through Amex Travel, potential room upgrades at participating properties. For the Premium Global Assist Hotline benefit of The Platinum Card from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. If you want your airport hang time to be more comfortable and theres an airport lounge of nearly any brand, this card has you covered. The Platinum Card from American Express and the American Express Gold Card are your two best options for earning Membership Rewards. The best way to use credit cards with no balance transfer fee is by paying off your debt in the first 12-18 months. However, both cards have different rewards categories. It can help protect covered purchases made on your eligible card when theyre accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. You must decide which card benefits make it easier to offset the annual fee. The free authorized user Gold card available via the Platinum card doesn't get those perks or that points earning structure. Terms apply to the offers listed on this page. Amex Platinum Card: Maximizing Car Rental Insurance & Benefits, The Amex Platinum Card - Full Review [2022], American Express Serve Card Full Review [2022], Delta SkyMiles Reserve American Express Card Full Review [2022], Delta SkyMiles Platinum American Express Card Full Review [2022]. 5 Stars. Privacy Policy and Visit americanexpress.com/benefitsguide for more details. Bottom Line: The Amex Platinum cardcomes with a premium version of the Global Assist Hotline. ), Hot Tip:Check to see if youre eligible for a welcome bonus of up to 90,000 points with the Amex Gold card! You'll only get 1 cent per point, but it can be a decent redemption if you want to try for an upgrade but don't want to pay cash. The Amex Gold carddoes not have coverage that includes the cost of the actual medical evacuation services provided. The Membership Rewardspointsyou earn with these credit cards and other eligible American Express Cards wont expire as long as you have at least one active, enrolled Card, and theres no cap to how many you can earn, so theyll be waiting for whenever youre ready to redeem them. Enjoy member savings when shopping for a vehicle and the ability to charge at least $2,000 of the purchase price on your American Express card. Terms, conditions and limitations apply. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. Some Amex cards are co-branded with another hotel or airline partner, but the issuer also has top-notch travel credit cards in its own currency. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. With the Amex Gold card, you could receive up to $1,250 per covered person per trip or $500 per person for checked bags if your luggage is lost, damaged, or stolen. However, each card has unique benefits and 1 card may be a better fit for you than the other. Terms, conditions and limitations apply. We really appreciate it! These cards also can receive Amex Offers. Underwritten by AMEX Assurance Company. 4.75 Underwritten by New Hampshire Insurance Company, an AIG Company. If you spend more at the grocery store or at restaurants, the American Express Gold Card may be more rewarding as it offers big rewards in both categories. It earns 1x point on everything else. You can earn bonus Membership Rewards on select travel purchases with either card. Terms apply to offers listed on this page. Similarly, if you tend to eat at home far more than dining out, other cards will offer similar or better returns on your supermarket spending without the Gold Cards annual fee. This site is protected by reCAPTCHA and the Google For example, with this Card you can get: Consider the Blue Cash Preferred Cardif:you tend to spend a lot at grocery stores and gas stations, love your streaming services, and may benefit from the Equinox+ credit.12. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). For example, a 50,000-point welcome bonus offer would be worth $500 in travel. Coverage is provided in excess of other insurance and important terms and conditions apply. Flights purchased directly from airlines or from Amex Travel, Prepaid hotels purchased from Amex Travel, Other travel not purchased from Amex Travel, $10,000 per trip maximum of $20,000 per account per 12-month period. Underwritten by AMEX Assurance Company. Winner: BEST Airline Co-Branded Credit Card, USA Today 10 Best Readers Choice; Online Offer: Earn 15,000 Bonus Points equal to $150 off a future Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening; This product provides secondary coverage and does not include liability coverage. Enrollment is required.6For more about the Cards everyday benefits, read How Platinums Elevated Lifestyle Benefits Can Help Make Every Day an Adventure.. Privacy Policy. We recommend checking the tool for a higher welcome bonus before you apply; theres no impact to your credit score. Platinum: 8 miles. It also comes with Priority Pass Select membership and a Global Entry or TSA Precheck application credit. Bottom Line: Earnings are highest for flights and prepaid hotel purchases through Amex Travel with the Amex Platinum card, while dining and grocery store purchases offer the highest earnings using the Amex Gold card. Gold: 7 miles. For rates and fees of The Platinum Card from American Express, please click here. For an in-depth review of each card along with more information about annual fees and other financial information, click the review links below: Both cards allow you to add additional authorized users, although each card charges a different amount for doing so: Adding an additional authorized user to your card can expand your earning potential and allow the additional card user to utilize some of the benefits that the primary cardholder has. 5 Stars, 60,000 points after you spend at least $4,000 in your first 6 months of card membership. When you have the card, you can use Delta Sky Clubs whenever you fly the airline, Amex's own proprietary Centurion lounges, and any airport lounge that participates in the Priority Pass network. Since that time, he's been to over 50 countries and become an industry expert in airline and hotel loyalty programs, credit cards, and travel. The Amex Blue Business Cash card is a business owners best friend for earning cash-back. This site does not include all credit card companies or all available credit card offers that are on the market. Its been circulated among points and miles maximizers that four or five Amex Cards are the maximum you can hold at any one time and applying for any more above that will result in a denial of your application. You might be able to get a dramatically higher value for points this way. Credit Score ranges are based on FICO credit scoring. However, redeeming for anything aside from travel offers a poor value, usually 0.5-0.8 cents each, and is generally a poor use of points. Focusing just on earning power here, and not considering the whole card package, theres probably a clear winner that matches your greatest annual expenses. You must also decline the car rental agencys collision damage waiver coverage. Terms, conditions and limitations apply. But the Gold cards 4 points per dollar spent at restaurants (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $25,000 in purchases per year, then 1 point) is one of the best spending category bonuses around. Opinions and recommendations are ours alone. Coverage limits apply. Visit americanexpress.com/benefitsguide for more details. Eligible new Amex Gold cardholders can earn 60,000 Membership Rewards points when you spend $4,000 in purchases on the card in the first six months of card membership when they apply for and are approved for a new account. When it comes to 4x on at restaurants worldwide, plus takeout and delivery in the U.S. $10,000 per trip and up to $20,000 per 12-month period, $2,000 per checked bag and $3,000 per carryon, $1,250 per person ($10,000 per trip for New York State residents), $10,000 per purchases and $50,000 annually for purchases within 90 days, $10,000 per item and $50,000 annually for purchases within 90 days, Up to $300 per item and up to $1,000 per year for purchases within 90 days, One additional year for warranties of 5 years or less, Platinum Card: 100,000 points after spending $6,000 in the first 6 months ($1,000 value), Gold Card: 60,000 points after spending $4,000 in the first 6 months ($600 value), 5x on flights you book directly through the airline or on AmexTravel.com (up to $500,000 per year), 5x on prepaid hotels through AmexTravel.com, 4x at restaurants worldwide plus U.S. delivery and takeout, 4x at U.S. supermarkets (up to $25,000 per year), 3x on flights booked directly through airlines or on AmexTravel.com, Car rental perks with Avis, Hertz, and National, Participating cruise lines (Cruise Privileges Program), On-site amenities at Fine Hotels and Resorts. Terms, conditions and limitations apply. Underwritten by AMEX Assurance Company. MoneyGeek compared the two credit cards on several factors including rewards programs, annual fees, welcome offers and more to help you choose which is more suitable for your needs. While benefits at The Hotel Collection are only valid once per stay, you can book up to 3 rooms and each room will receive the $100 credit and upgraded room, when available. The Global Assist Hotline and the baggage insurance plans that come with the Amex Platinum card and the Amex Gold card have different levels of coverage with each card. The earnings are the same on the free Gold card as the Platinum Card but these additional members do not receive any of the lounge access, elite status, or statement credit benefits. Both cards offer the same purchase protection coverage. It earns 1 point per dollar on everything else. For this reason, one of the first points to consider when selecting a card is whether you can comfortably meet the spending requirements and earn the bonus rewards. Unlike the Platinum, the Gold card offers up to $10 in monthly dining credits and an alternative Rose Gold card design. 4.6 You can read aboutexactly how we booked the flights here. One of the flagship perks is access to more than 1,200 airport lounges around the world. Not all vehicle types or rentals are covered. Eligibility and benefit level varies by card. One protection the Platinum Card has that the Gold Card does not is trip cancellation and interruption insurance for eligible claims*. Third-party service costs may be your responsibility. Both cards have a new member bonus, although the Platinum card's is higher. Visit americanexpress.com/benefitsguide for more details. Both cards differ in some areas the Amex Gold Card mostly rewards your dining and supermarket purchases, while the Amex Platinum Card rewards your flights and prepaid The most popular gold and platinum duo are the two American Express cards. Your Amex Gold rewards categories are the following: The American Express Gold Card doesnt earn as many points on travel yet you can rack up more points overall. For the purchase protection benefit of The Platinum Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. Can You Get a Credit Card Without a Social Security Number? Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. But note that this is all for the standalone Amex Gold product. Using Insider's valuations, you get a huge 7.2% of value back on those two top bonus categories from the Gold Card. The American Express Gold Cards annual fee is $250, and its not waived in the first year. For the car rental collision damage coverage benefit of the American Express Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Heres how to choose one today. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. MORE: Full However, both cards can help you avoid buying a standalone travel insurance policy for cheaper trips. While the Platinum Cards welcome bonus is usually more generous, it is important to note the amount of purchases required to earn the welcome bonus. 40% bonus compared with basic. This site does not include all credit card companies or all available credit card offers that are on the market. The card offers perks including airport lounge access and hotel status, and features lifestyle credits that offer cash rebates on purchases, from New York Times subscriptions to Uber Cash. Assistance when things go wrong while traveling is available 24/7. That said, if you dont typically check your luggage, then you will earn more overall using the Platinum card. Read our editorial standards. The major differences between these two cards include their annual fees, intro bonuses and other benefits. While some people think of these card variations as levels, its more accurate to think of each as its own, special category with its own benefits and rewards so you can choose the card that matches your purchasing preferences: Understanding the value and nuances of each American Express Cards benefits can help you choose the right Card for you and your lifestyle. Access your favorite topics in a personalized feed while you're on the go. Since the airline fee credit is given each calendaryear,you can actually collect it twiceif you open your card mid-year and maximize the credit before and after January of that first cardmember year. The Amex Gold and Amex Platinum are two different products, meant for two different consumer segments. Macys American Express cardholders will enjoy the star treatment every time they shop at Macys with automatic Silver status in the Macys Star Rewards program.Cardholders will also earn points towards $10 rewards with 3% back (in points) on restaurants, 2% back at gas stations and supermarket, and 1% back per dollar spent everywhere else in addition to American Express Gold Card. This site does not include all financial companies or all available financial offers. The Amex Platinum and the Amex Gold cards both carry appealing features for those who can take full advantage of them. The Amex Gold card hotel benefits are limited to The Hotel Collection properties. This is a no annual fee10 cash back Card that aims to help you earn rewards for everyday essentials. Learn more. If your spending habits include a lot of booked travel, the Platinum card is a great option. Information provided on Forbes Advisor is for educational purposes only. Visit americanexpress.com/benefitsguide for more details. The Amex Gold Card offers 4 points per dollar spent at restaurants, 4 points per dollar at U.S. supermarkets (on up to $25,000 per calendar year 1 point per dollar for anything beyond that), and 3 points per dollar on flights booked directly with the airline or with Amex travel. Also worth noting is that there is no additional fee to add authorized user cards on the American Express Gold card (up to five additional cards, then $35 annually for six or more). Applies to warranties of five (5) years or less. All Rights Reserved. The American Express Gold Card offers baggage insurance, car rental and loss insurance in eligible territories and purchase protection. Thankfully, ZDnet will help you compare, so you can decide which AmEx business card is right for you /> X. Trending. On and there's one more difference between these two cards: The Gold authorized user card is plastic. No-fee basic Gold cards for authorized users (not the same as the Amex Gold card) ( rates and fees) $250 annual fee. Thank you for taking the time to comment so this could be clarified. The Platinum Card also comes with industry leading travel evacuation coverage. Improve earnings, maximize rewards and track progress toward dream trips. For frequent travelers, the airport lounge access, elite status with Hilton and Marriott and statement credits for Clear and Global Entry or TSA PreCheck can come in handy. Before applying for any card, be sure to review associated pricing, fees, and benefit descriptions. Geographic restrictions apply. 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