Credit Cards » Compare Credit Cards » American Express® Gold Card vs Platinum Card® from American Express
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American Express® Gold Card vs Platinum Card® from American Express

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.
Author: Josiah Mwangi
Josiah Mwangi

Writer, Contributor

Experience

Josiah Mwangi is a Certified Public Accountant and has an MBA in Finance. He has been writing for the Huff Post, Corporate Finance Insitute, Smarter.loans, and other top publications. In his free time, he goes hiking alongside his two German Shepherds
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Josiah Mwangi
Josiah Mwangi

Writer, Contributor

Experience

Josiah Mwangi is a Certified Public Accountant and has an MBA in Finance. He has been writing for the Huff Post, Corporate Finance Insitute, Smarter.loans, and other top publications. In his free time, he goes hiking alongside his two German Shepherds
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

American Express is known as one of the best issuers of credit cards in the US market. Two of its main travel-focused cards are the Platinum Card® from American Express and American Express® Gold cards. These both have a wide range of perks that make them a good fit for people who want a versatile type of card that has some great rewards.

They even look great. This review will look at the commonalities and differences between these two options.

General Comparison

amex platinum

Amex gold

The Amex Platinum Card
The Amex Gold Card
Annual Fee
Rewards
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases. Terms Apply.
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases. Terms Apply.
Welcome bonus
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
0% Intro APR
None
N/A
Foreign Transaction Fee
Purchase APR
21.24% – 29.24% APR Variable
21.24% – 29.24% Variable
Read Review
Read Review

Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more

Compare Rewards: Which Card Gives More?

It is a useful exercise to compare the redemption points between these two cards while looking at the same costs. This allows you to see where the cards stand out and where they might struggle.

This comparison clearly showcases the standout perks of both cards. You will be better off using the Platinum card for travel-related purchases. However, for more versatility, then the Gold card is going to be a better fit as it covers more bases than the Platinum card.

amex platinum

Amex gold

Spend Per Category
The Platinum Card®
American Express® Gold Card
$10,000 – U.S Supermarkets
10,000 points
40,000 points
$5,000 – Restaurants
5,000 points
20,000 points
$6,000 – Hotels
30,000 points
6,000 points
$6,000 – Airline
30,000 points
18,000 points
$4,000 – Gas
4,000 points
4,000 points
Total Points
79,000 points
88,000 points
Estimated Redemption Value
1 point ~ 0.6 – 1.6 cents
1 point ~ 0.6 – 1.6 cents
Estimated Annual Value
$474 – $1,264
$528 – $1,408

Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more

Welcome Bonus And Fees

With the Platinum card, you will earn 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. You will be able to earn 10x points on eligible purchases at restaurants across the world and certain purchases in the US. This covers up to $25,000 in combined purchases in the initial six months of having the card.

For the Gold card, you will earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

The annual fee for the Gold card is $250, with this rising to $695 for the Platinum card. You will be looking at APR rates of between 21.24% – 29.24% Variable for both of these cards. There is no foreign exchange fee charged when using either of these cards. There are late payment fees in place with both cards.

Book travel with Amex gold points
Book travel with Amex gold points (Screenshot taken by our team from American Express app)

Compare Perks

There are some additional types of perks that you will see with both of these cards. We will now highlight some of the similarities and differences when it comes to the extra features that are commonly seen with credit cards. 

Here are the additional benefits you'll get on both cards:

  • Dedicated Service Team: You will get access to a customer service team that is operational 24/7, so you can resolve any issues instantly.
  • Up to $200/$120 in Uber Cash.  You can also become an Uber VIP to be matched with top rated drivers without needing to meet any minimum ride requirements. Up to $200  if you carry the Platinum Card and $120 for Gold Cards. Enrollment Required.
  • Preferred Seating at sporting and cultural events, subject to availability
  • $100 experience credit – receive a $100 experience credit when you reserve The Hotel Collection through American Express Travel for a delightful getaway of at least two nights. The specific value of the experience credit may vary depending on the property you choose.
  • Extra Cards: Both of these cards allow you to add additional cards to your locknut with no additional fees. This allows you to earn rewards when other people make purchases, such as your spouse, children, or employees.
  • Signature perks at upscale hotels, which are part of the Amex Hotel Collection and you book through American Express Travel.
  • Fraud Protection: You will not have to be responsible for any fraudulent charges. If you see a charge that is suspicious, just get in touch with the Amex team.
  • Baggage insurance for up to $500 for checked baggage and $1,250 for carry on, if it is lost, stolen, or damaged when you purchase your fare using your card*.
  • Pay It Plan It: This allows you to control how you pay for purchases. For payments under $100, you can make payments over the course of a month. For purchases of at least $100, you can split these payments into monthly payments, having a fixed fee and no interest rate. You also earn rewards as normal.
  • Rental Car Insurance – Both Amex Gold and Platinum include rental car insurance (Terms Apply). The benefit pays out in the event that a rental car is damaged in an accident or stolen.

Terms apply to American Express benefits and offers.

American Express membership available offers
American Express membership available offers (Screenshot from American Express app)

Amex Platinum Card - Unique Features

Pretty much every one of the Gold card perks is available to the Platinum cardholders. However, there are some special features that are available only for the Platinum cardholders:

  • Up to $200 hotel credit in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. Enrollment Required. 
  • Up to $240 or $20 per month in Digital Entertainment in statement credit when you pay for one or more The New York Times, Peacock or SiriusXM with your card. Enrollment Required.
  • Up to $155 in Walmart+ credit. When you use your card to pay for your monthly Walmart+ membership, you’ll get the full cost back every month. Enrollment Required.
  • Up to $200 in Airline fee credit per year when you charge incidental travel fees from selected airlines on your card. Enrollment Required.
  • Marriott Bonvoy Gold Elite Status: As a Platinum Card member, you have the opportunity to enroll in complimentary Bonvoy Gold Elite status.
  • Priority Pass: Platinum Card members enjoy a complimentary membership in Priority Pass Select, granting them access to over 1,400 lounges across the globe. It's important to note that this membership does not include access to Priority Pass restaurant lounges
  • Up to $300 back every year in statement credit for eligible Equinox memberships when you enroll and pay using your card (subject to auto-renewal).
  • Up to $189 back per year when you use your card to pay for a CLEAR® plus membership. Enrollment Required.
Eat and drink at The Centurion Lounge by Amex at JFK airport , (2)
Eat and drink at The Centurion Lounge by Amex at JFK airport (Photo by sainaniritu/Shutterstock)

Compare The Drawbacks

Of course, no credit card is perfect, so it is important to be aware of the potential drawbacks before you make your final card decision.

American Express Platinum Card

amex platinum

The $695 annual fee is seen as being quite high when compared to similar types of cards from American Express.

There are certain airlines and hotel chains that are excluded from this offering.

Most of the perks associated with the Platinum card relate to travel-related expenses. While it can an advantage for some people, it makes the card more dedicated to a specific category.

American Express® Gold Card

Amex gold

There are some significant supermarket chains that are excluded from earning rewards through the Gold card such as Target and Walmart.

If you're a frequent traveler or tend to spend high amounts on everyday purchases, the Platinum may be more attractive for your needs.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Redemption Options

American Express points are worth up to $0.02, but this depends on whether you choose gift cards, merchandise, premium travel or entertainment options. Some of the options include:

To claim any of these reward options, you just need to log into the card app or your credit card portal. Select your chosen option and follow the instructions to complete the redemption process.

How to Maximize Cards Benefits?

If you want to make the best use of your American Express Platinum Card, there are some tips to help you:

  • Travel-Related Purchases: The Platinum card is best fitted for people who are going to be making travel-related purchases.

  • Be Aware of Exceptions: There are certain airlines and hotels that are excluded from rewards, so make sure that you are aware of these exceptions.

  • Utilize the Perks: There are tons of great perks involved with the Platinum card, such as lounge access, annual statement credit for certain purchases, and so on. Make sure that you are aware of all these perks.

Amex membership redeem rewards options
(Screenshot from American Express app)

If you want to make the best use of your American Express Gold Card, there are some tips to help you:

  • Be Aware of Exclusions: There are certain airlines and U.S. supermarkets that are excluded from the rewards offered through the Gold card.

  • Utilize the Perks: There are tons of great perks involved with the Gold card, such as lounge access, annual statement credits for certain purchases, and so on. Make sure that you are aware of all these perks.

Customer Reviews: Which Card Wins?

Amex Gold Card
Amex Platinum Card
App Rating (iOS)
4.9
4.8
App Rating (Android)
4.2
4.4
BBB Rating (A-F)
A+
B+
WalletHub
4
3.5
Contect Options
phone/social
phone/social
Availability
24/7
7 AM – 11 PM

When You Might Want the Amex Platinum?

The American Express Platinum Card is a flexible option that could be good if:

  • Travel a Lot: If you are someone who travels a lot, then the Platinum card is going to be a great fit for you.

  • Maximize Rewards: If you are able to maximize the rewards and perks that Platinum offers, then you can justify the annual fee.

  • You like luxury perks. With the Amex Platinum card you can enjoy preferred seating at cultural and sporting events, signature perks at upscale hotels and other nice touches for those who delight in the finer things in life.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Amex Gold?

The Amex Gold Card is a good choice if:

  • Want Flexibility: The Gold Card is a good fit for people who want to be able to make a wide range of purchases and still earn decent rewards.

  • Travel a Decent Amount: There are some good travel rewards available with the Gold Card, being suitable for those people who travel a fair bit.

  • You like to dine out. You’ll earn 4x points when you pay for restaurant visits with your card, so it is a great choice for foodies. You can also earn up to $10 a month in statement credit if you dine with participating partners.

Bottom Line

Both of these cards have standout features. The Platinum card is going to be a great fit for people who are spending a lot of time traveling as there are some stunning perks available. 

The Gold Card will be a better fit for people who are looking for a more versatile card that reaps the rewards across a wider range of purchases.

Compare The Alternatives

Both cards are definitely considered as one of the best in the niche. However, there are always  recommended alternatives to check out before applying:

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

FAQ

There is currently no sort of limit in place on how many rewards you are able to earn when you are using the Amex Platinum card.

The reward points that you earn as a result of making purchases through the use of your Amex Platinum card will not expire once you keep your account open and meet a few basic conditions.

 Yes, you can get pre-approval when it comes to the Amex Platinum card after completing a very simple application process that does not require a hard credit check.

You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.

Compare American Express Gold Card

The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.

Apple Card vs. Amex Gold: Which Card Is Best?

While the Amex Gold Card is more expensive than the Blue Cash Preferred, its rewards program and other benefits are more lucrative.

Amex Blue Cash Preferred vs. Amex Gold: Which Card Is Best?

The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.

Wells Fargo Autograph Vs. Amex Gold Card: Which Is Best?

If you're a dedicated Delta traveler, the Delta SkyMiles Gold may be your top pick, while the Amex Gold offers a broader range of benefits.

Delta SkyMiles Gold Card vs. Amex Gold: Which Card Wins?

While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

Capital One Venture vs. Amex Gold Card: How They Compare?

The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.

Amex Gold Card vs. Capital One Venture X : Which Premium Card Is Best?

The Amex Gold Card focused on everyday spending and general travel rewards, the Delta SkyMiles Reserve Card offer premium airline benefits.

Amex Gold Card vs. Delta SkyMiles Reserve: Side By Side Comparison

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Gold Card focuses on everyday spending rewards, while the Delta SkyMiles Platinum is tailored for frequent Delta travelers.

Amex Gold Card vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Honors Surpass wins at estimated cashback, while the Amex Gold card is the winner for everyday spending and extra benefits.

Amex Gold Card vs. Hilton Honors Surpass: How They Compare?

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Premium Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison.

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare American Express Platinum Card

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Luxury Card Is Best?

The Infinite Card is tailored for frequent United flyers, while the Amex Platinum offers a more lucrative, comprehensive rewards program.

United Club Infinite vs Amex Platinum: Which Is Better?

While the Amex Platinum offers extensive travel perks and redemption options, the Marriott Brilliant Card has better hotel-specific perks.

Amex Platinum Card vs. Marriott Bonvoy Brilliant Car

While the Amex Platinum Card offers extensive travel perks and redemption options, the Delta Reserve Card has better airline-specific perks.

Amex Platinum Card vs. Delta SkyMiles Reserve: Which Luxury Card Is Best?

The Amex Platinum wins when it comes to redemption options and protections, but the Venture X is cheaper and offers great travel benefits.

Amex Platinum Card vs. Capital One Venture X: Which Luxury Card Is Best?

The Hilton Aspire is surprising with its higher estimated annual cashback value, but the Platinum card wins at premium travel perks.

Amex Platinum Card vs. Hilton Amex Aspire: Side By Side Comparison

If you need premium travel perks and versatility – the Amex Platinum wins. Need airline benefits and lower fees? Consider the Delta Platinum.

Amex Platinum Card vs. Delta SkyMiles Platinum: Which Luxury Card Is Best?

The AAdvantage Executive card offers higher cashback value, but when it comes to premium travel perks, the Amex Platinum is the winner.

Citi/AAdvantage Executive World Elite vs. Amex Platinum Card

The Amex Platinum card is a clear winner as it offers much higher annual cashback value, luxury travel perks, and various travel protections.

Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?

The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.

U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?

Review Travel Credit Cards

  • Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Picture of Josiah Mwangi

Josiah Mwangi

Josiah Mwangi is a Certified Public Accountant and has an MBA in Finance. He has been writing for the Huff Post, Corporate Finance Insitute, Smarter.loans, and other top publications. In his free time, he goes hiking alongside his two German Shepherds
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.