American Express Gold vs. Platinum: Which Is Best for You?

Amex Gold Card vs. Platinum Card®: Key Characteristics

American Express® Gold Card

American Express Platinum Card®

Amex Gold Card vs. Platinum Card®: Rewards

When it comes to ongoing rewards on purchases, the Platinum Card® has a higher maximum earning rate, giving more points on prepaid hotel bookings though American Express Travel® and flights purchased directly from airlines or via American Express Travel® (up to the annual cap). But the Amex Gold Card earns you more money on everyday expenses, with above-average earning rates on dining at restaurants and at U.S. supermarkets (up to an annual cap), to go along with decent travel rewards.

American Express® Gold Card

winner

American Express Platinum Card®

rewards Type

Points

bonus offer

As High As 100,000 points. Find Out Your Offer.

As High As 175,000 points. Find Out Your Offer.

rewards rate

1 - 4 points / $1

1 - 5 points / $1

rewards details

Amex Gold Card - Rewards Details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
Terms Apply.

Platinum Card® - Rewards Details

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Terms Apply.

Amex Gold Card vs. Platinum Card®: Fees

Which would you rather have: The Amex Gold Card for two years or the Platinum Card® for one? That’s basically what it comes down to. Because at $895, a single Platinum Card® annual fee would cover the Amex Gold Card’s first two yearly membership fees (at $325 a pop) – and then some.

The Amex Gold Card and the Platinum Card® don't charge foreign transaction fees so the Amex Gold Card is the clear overall winner in the fee category.

winner

American Express® Gold Card

American Express Platinum Card®

Annual fee

$325

$895

Monthly Fee

$0

One-time Fees

$0

Amex Gold Card vs. Platinum Card®: Benefits

The Platinum Card® wins the benefits category with a ton of high-end perks that could easily justify its lofty annual fee, especially if you travel frequently. For example, it provides benefits such as access to more than 1,550 airport lounges.

Other key Platinum Card® benefits include:

Up to $600 in hotel credits on eligible bookings through American Express Travel® each year ($300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection which requires a minimum two-night stay)
A $200 annual airline fee credit for incidental fees with one airline of your choice (enrollment required)
Up to $200 in Uber Cash annually ($15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account and select an Amex Card for your transaction on rides and orders in the U.S)
A $300 annual digital entertainment credit (up to $25 in statement credits monthly at participating partners; enrollment required)
Credits for services like CLEAR® Plus, Walmart+, and Saks Fifth Avenue (enrollment required)

The Amex Gold Card has a shorter list of benefits, though food enthusiasts can get great value from the card’s wealth of dining-related perks. Among them are annual credits for up to $120 in Uber Cash ($10 in Uber Cash each month when you add your Amex Gold Card to your Uber account and select an Amex Card for your transaction on rides and orders in the U.S), $120 in dining credits (up to $10 monthly at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys), $100 in Resy Credits ($50 semi-annually), and $84 in Dunkin' credits (up to $7 in monthly statement credits at U.S. Dunkin' locations). Enrollment is required to receive these benefits.

Winner: American Express Platinum Card®

Amex Gold Card vs. Platinum Card®: Additional Info

Both the Amex Gold Card and the Platinum Card® have no preset spending limit. While this does allow for purchasing power that adjusts based on how you use your card, credit history and other factors, it does not mean that you will be able to spend without any limits. Other common threads include no fees on foreign transactions and a steep fee and APR on cash advances.

The Platinum Card® wins as the better overall card.

winner

American Express® Gold Card

American Express Platinum Card®

foreign transaction fee

0%

cash advance apr

28.99% (V)

cash advance fee

5% (min $10)

grace period

25 days

Additional Info

Amex Gold Card - Additional Info

No Foreign Transaction Fees.
Annual Fee is $325.
This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Platinum Card® - Additional Info

Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Amex Gold Card vs. Platinum Card®: Reviews & Ratings

The Amex Gold Card and the Platinum Card® start out fairly even in the ratings game, with identical 3.8 / 5 user ratings. But the Platinum Card® distances itself with a 3/5 editor’s rating, compared to 4/5 for the Amex Gold Card.

The Platinum Card® seals the win, narrowly, with a 4.16 / 5 WalletHub Rating, just a notch above the Amex Gold Card’s 4.01 / 5 rating. The WalletHub Rating measures a card’s editor’s rating, its user reviews, and how its terms compare to other options on the market.

American Express® Gold Card

winner

American Express Platinum Card®

user reviews

(500)

(747)

EDITOR'S RATING

4.0 / 5

3.0 / 5

WALLETHUB RATING

4.0 / 5

WalletHub Rating

4.0

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.0

User Reviews

3.8

Market Comparison

4.0

fees: 1.3

rewards: 4.8

cost: 4.7

Other Features: 0.0

4.2 / 5

WalletHub Rating

4.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.0

User Reviews

3.8

Market Comparison

4.4

fees: 1.3

rewards: 4.8

cost: 5.0

Other Features: 5.0

BEST WHEN USED TO

Earn Rewards

About the Author

John S Kiernan

Credit Card Editor

John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.

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Chase Sapphire Reserve®

3.23 out of 5 rating334 Reviews

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Rates & Fees

3.23 out of 5 rating334 Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.4

User Reviews

3.2

Market Comparison

3.5

fees: 1.3

rewards: 4.7

cost: 3.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.99% - 28.49% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.99% - 28.49% (V)

annual fee

$795

rewards rate

1 - 8 points / $1

Bonus Offer

125,000 points

Bonus Offer

125,000 points

credit score

Excellent Credit

Pros

Initial Bonus: 125,000 points
$300 Annual Travel Credit
High rewards rate

Cons

High Annual Fee
High APR

Rewards Details

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually

Additional Info

Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Member FDIC

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Capital One Venture X Rewards Credit Card

3.36 out of 5 rating66 Reviews

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Rates & Fees

3.36 out of 5 rating66 Reviews

4.3WalletHub Rating

WalletHub Rating

4.3

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.8

User Reviews

3.3

Market Comparison

4.3

fees: 1.3

rewards: 4.7

cost: 4.9

Other Features: 5.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.99% - 28.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.99% - 28.99% (V)

annual fee

$395

rewards rate

2 - 10 miles / $1

Bonus Offer

100,000 miles

Bonus Offer

100,000 miles

credit score

Excellent Credit

Pros

Earn a 100,000-mile initial bonus
2 - 10 miles per $1 spent on purchases
Annual statement credit & bonus opportunities
Airport lounge access

Cons

$395 annual fee
Not good for financing
Available to people with excellent credit

Rewards Details

LIMITED-TIME OFFER: Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening - equal to $1,000 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®

Additional Info

Trip Cancellation and Interruption*: Add peace of mind to your itinerary when you use your Venture X card to book your travel
Extended Warranty Protection*: Extend your qualifying product warranties automatically when you purchase using your Venture X card
Return Protection*: Keep your options open with 90 days of Return Protection, here to help when you make a qualifying purchase with your card
Cell Phone Protection*: Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible)
Visa Infinite Concierge*: Concierge who can help you with requests, like dinner reservations, or Broadway, music and sporting event tickets
Baggage Delay Reimbursement*: Your bags are covered against common carrier-caused loss or theft with Lost Luggage Reimbursement* when you use your Venture X card to purchase common carrier tickets
Trip Delay Reimbursement*: Anticipate delays when you purchase air travel with your covered Visa Infinite card, with Trip Delay coverage of up to $500 when you’re stuck for more than six hours or require an overnight stay
Auto Rental Collision Damage Waiver*: Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Visa Infinite card and get built-in Auto Rental Coverage
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Pros, Cons, & Details

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Amex Gold vs. Platinum FAQ

Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.

16

Upvotes

What are the best American Express Platinum Card® benefits?

Reply

16

1

Lisa Cahill, Credit Cards Moderator

The best Platinum Card® benefits are baggage insurance and return protection. This card also offers extended warranty and purchase protection, which are more common perks across American Express cards.

The best Platinum Card® benefits:

Baggage insurance*
Return protection*
Extended warranty*
Purchase protection*
Lowest hotel rates guarantee
Instant card numbers
Rental car insurance*
Airport lounge access
Air travel fees reimbursement
Statement credits for eligible hotel bookings

In addition to these benefits, the Platinum Card® comes with a $895 annual fee and offers rewards on all purchases. If you have good credit, the Platinum Card® is certainly a card to consider adding to your wallet.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Car Rental Loss & Damage Insurance, Extended Warranty and Baggage Insurance Plan are underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Upvotes

Whats so special about American Express Platinum Card®?

Reply

0

Christie Matherne, Credit Card Writer

The Platinum Card® is special because it is a premium metal card that offers big-spenders elite perks. Benefits include airport lounge access, annual travel credits, 24/7 concierge service, and more. Plus, you can earn 1 - 5 points per $1 spent on purchases.

What Makes Platinum Card® So Special

Travel benefits: Airport lounge access, annual travel credits, Global Entry/TSA PreCheck® credit, hotel elite status, and more. Enrollment is required for some of these benefits.
Rewards program: 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases. The rewards...

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0

Upvotes

Does American Express Platinum Card® have the same rewards as American Express® Gold Card?

Reply

0

Chip Lupo, Credit Card Writer

No, the American Express Platinum Card® does not have the same rewards as the American Express® Gold Card. The Platinum Card® is a travel rewards card and has a higher maximum earning rate, whereas the Amex Gold Card offers better value on dining and groceries. Both cards require at least good credit for approval.

Platinum Card® vs. Amex Gold Card Rewards

Category	American Express Platinum Card®	American Express® Gold Card
Initial Bonus	You may be eligible to earn...	You may be eligible to earn as high as 100,000 points for spending $6,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $6,000 in 6 months, and receive the points)

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4

Upvotes

How can I upgrade my American Express® Gold Card to the American Express Platinum Card®?

Reply

4

0

Karen Moroz, WalletHub Mortgage Analyst

You can upgrade your American Express® Gold Card to American Express Platinum Card® by making a request over the phone at (800) 528-4800. Alternatively, log in to your online account and click on “Amex Offers and Benefits” at the bottom of the page to see if you're eligible for an upgrade from Amex Gold Card to Platinum Card®. You may also receive a targeted upgrade offer, either by e-mail or through regular mail.

Things to Know About the Amex Gold Card Upgrade

To be...

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Upvotes

Amex Gold Card Benefits

0

Adam McCann, Financial Writer

Rewards
Travel Benefits
Hotel Benefits
Rental Car Benefits
Shopping Benefits
Dining Benefits
Event Benefits
Other Benefits
Ask the Experts

Amex Gold Card Rewards

The Amex Gold Card is an expensive but lucrative travel rewards card. You may be eligible to earn an initial bonus as high as 100,000 points for spending $6,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $6,000 in 6 months, and receive the points). That can help pay for the card's $325 annual fee for more than a year.

View entire answer

0

Upvotes

Is it worth upgrading from Amex Gold to American Express Platinum Card®?

Reply

0

1

John Miller, Credit Cards Moderator

It's worth upgrading the Amex Gold Card to Platinum Card® if you travel a lot and you want to enhance your experience. The Platinum Card® offers 1 - 5 points per $1 spent, with the highest rewards earned on travel purchases, and it comes with luxury travel perks, like lounge access and travel credits.

Amex Gold Card vs Platinum Card®: key differences

	Amex Gold Card	Platinum Card®
Annual Fee	...	$895

0

Upvotes

Is Amex Gold a status symbol?

Reply

0

Chip Lupo, Credit Card Writer

The American Express® Gold Card is a status symbol because of its high-end benefits, its hefty annual fee, and its prestige as a metal Amex card. The Amex Gold Card is geared toward high-income individuals with at least good credit.

Why American Express Gold Is a Status Symbol

Valuable benefits

Amex Gold Card benefits include a $100 credit toward eligible Hotel Collection charges with every booking of two nights or more through AmexTravel.com, access to presale and preferred event...

0

Upvotes

Is the American Express Platinum Card® for rich people?

Reply

0

Maria Adams, Credit Cards Moderator

The American Express Platinum Card® is for fairly rich people. A high income will help you afford this premium travel card's $895 annual fee.

Key Things to Know About the American Express Platinum Card®:

$895 annual fee
You may qualify for a welcome bonus as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points)
5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases
$200 per year in statement credits for baggage fees and other airline incidentals with one qualifying airline (enrollment required), as well as up to $600 in statement credits each...

0

Upvotes

What is the Amex 2/90 rule?

Reply

0

Theresa Chalfant, Writer

The Amex 2/90 rule restricts applicants from being approved for more than two American Express credit cards within a 90-day period. This rule does not apply to charge cards, based on forum reports, which means you can apply and get approved for more than two Amex charge cards within the same timeframe.

While this rule has been widely reported, it isn't an official American Express company policy. Still, it's not a good idea to apply for multiple...

0

Upvotes

Do American Express® Gold Card and American Express Platinum Card® points combine?

Reply

0

John Miller, Credit Cards Moderator

Yes, American Express® Gold Card and American Express Platinum Card® points combine, allowing you to pool rewards into one account. Once you have both the Amex Gold Card and Platinum Card®, your Membership Rewards® Points will automatically link, and any points earned on either card will accumulate into a single account. Gold and Platinum business card points also combine.

If you're not seeing the points pooling together, you can contact customer service at (800) 528-4800, or the number you see on the back of your card....

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15

Upvotes

How do I get access to the Amex Centurion Lounge?

Reply

15

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James bronzz, WalletHub Analyst

To get access to the Amex Centurion® Lounge, you must own an eligible American Express card. Guests (up to two) of cardholders can also get into the Centurion Lounges, either at no additional cost or in exchange of a per-visit rate, depending on the card. Keep in mind that these cards come with hefty annual fees, though. For instance, American Express Platinum Card® has a $895 annual fee, the Delta SkyMiles® Reserve American Express Card charges $650 per year and the Centurion® Card from American Express has an annual...

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Compare More

American Express® Gold Card

American Express Platinum Card®

More Resources

If you'd like to compare more offers before making your final credit card choice, be sure to check out the following reviews and info.

Amex Gold vs. American Express Platinum Card®

THE WINNER

Key Things to Know

Amex Gold Card vs. Platinum Card®: Key Characteristics

Amex Gold Card vs. Platinum Card®: Rewards

Amex Gold Card vs. Platinum Card®: Fees

Amex Gold Card vs. Platinum Card®: Benefits

Amex Gold Card vs. Platinum Card®: Additional Info

Amex Gold Card vs. Platinum Card®: Reviews & Ratings

About the Author

John S Kiernan

Still not sure?

Amex Gold vs. Platinum FAQ

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Important Disclosures

Amex Gold vs.
American Express Platinum Card®