The Platinum card does award 5 Membership Rewards per dollar on select travel spending, but is otherwise light on earnings in bonus categories. When it comes to Post-purchase benefits for auto repairs and deductibles can also be worth up to $2,000 in value. Visit americanexpress.com/benefitsguide for more details. $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+. Underwritten by New Hampshire Insurance Company, an AIG Company. *Uber Cash benefit applicable to U.S. Eats orders and rides only. The credits apply automatically to any qualifying purchase. Here is an example of how much your Membership Rewards can be worth: You can also transfer your points to 20 airline and hotel loyalty programs, usually at a 1:1 ratio in 1,000-point increments. The Platinum Card offers significantly more perks and these are the most valuable ones. American Express Gold Card vs The Platinum Card from American Express. So instead of choosing between the Amex Gold and the Platinum, you may find value in having both cards in your wallet. Will I use most of the benefits that come with the card? If you can maximize the benefit offerings on each card enough to diminish any net expense for the annual fee, its possible this card combo could make sense. Power, American Express came in first. It earns 1x point on everything else. The Business Platinum Card from American Express. In some cases, we receive a commission from our our partners, however, our opinions are our own. Thank you for taking the time to comment so this could be clarified. Cost includes $12.95 plus applicable local sales tax. 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. You can get up to $120 each year in dining credits, broken into monthly $10 portions. The Platinum Card also comes with more monthly Uber Cash up to $200 per year compared to the Gold cards potential $120 annually. Terms, conditions and limitations apply. Blue Cash Preferred offers cash back opportunities on additional spending categories like streaming subscriptions and transit. 4For more on Rates and Fees for the American ExpressGold Card, clickhere. Terms, conditions and limitations apply. All Rights Reserved. The coverage is limited to $10,000 per occurrence and $50,000 per year. You must also decline the car rental agencys collision damage waiver coverage. Please view our advertising policy page for more information. If you spend a lot on travel and want luxury benefits like airport lounge access, the Amex Platinum could be worth it. $(function () { init(); setTimeout(function () { init(); }, 400); function init() { compareWidgetAlignment(); bindEvents(); showRatingTooltip(); } function bindEvents() { $(window).on('resize', window.throttle(windowResizeHandler)); } function compareWidgetAlignment() { document.querySelectorAll('.compare-cc-wrapper').forEach(function (ele) { setSameHeightForElements(ele.querySelectorAll(".top-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-heading")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-title")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-rating-img-wrapper")); setSameHeightForElements(ele.querySelectorAll(".apply-now-btn-wrapper")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-below-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper")); setSameHeightForElements(ele.querySelectorAll(".card-img-inner-wrap")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-reward-rate")); setSameHeightForElements(ele.querySelectorAll(".detail-wrapper"), '0'); setSameHeightForElements(ele.querySelectorAll(".partner-offer"), '0'); }); } setTimeout(function () { document.querySelectorAll(".loader").forEach( function(item){ return item.style.display = "none"; }); }, 1100); function applyHeightAuto(cardsList) { cardsList.forEach(function (card) { card.style.height = 'auto'; }); } function getMaxHeight(cardsList) { return Math.max.apply(null, $(cardsList).map(function () { return $(this).outerHeight(); }).get()); } function setSameHeightForElements(cardsList) { applyHeightAuto(cardsList); var maxHeight = getMaxHeight(cardsList); cardsList.forEach(function (card) { card.style.height = maxHeight + 'px'; }); } function windowResizeHandler() { compareWidgetAlignment(); } function showRatingTooltip() { var device_type = getDeviceTypeInNumber(window.deviceType); if (device_type === 1) { $('.card-rating').on('mouseenter', function () { $(this).find('.card-rating-tooltip').addClass('show'); }); $('.card-rating').on('mouseleave', function () { $(this).find('.card-rating-tooltip').removeClass('show'); }); } else { if (!window.tooltipMobileEvent) { window.tooltipMobileEvent = true; $('body').on('click', function (e) { var ratingComponent = $(e.target).closest(".card-rating"); var ratingTooltip = ratingComponent.find('.card-rating-tooltip'); if (ratingComponent.length >0 && !ratingTooltip.hasClass('show')) { ratingTooltip.toggleClass('show'); } else if ($('.card-rating-tooltip').hasClass('show')) { $('.card-rating-tooltip').removeClass('show'); } }); } } } }); Few cards on the market today come with as many perks and benefits as The Platinum Card from American Express and the American Express Gold Card. Enrollment required. With the Cards $95 annual fee12come a variety of reward opportunities that can be especially valuable for families and those who use a lot of streaming services, tend to cook at home, value wellness, or even commute to work. 5For more on Rates and Fees for The Platinum Card, clickhere. Both cards offer travel assistance, help with restaurant reservations, gift purchasing, or access to special events with a dedicated phone line available 24/7. Earn 5X Membership Rewards Points for flights Credit Score ranges are based on FICO credit scoring. This can give you peace of mind if you end up missing a connecting flight or if you get injured, among other reasons. However, all credit card information is presented without warranty. 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. You can also get exclusive access to ticket pre-sales for entertainment and enjoy other unique experiences. The Platinum Card from American Express is the priciest, with an annual fee north of $500, and the American Express Gold Card lands in the middle. This site does not include all credit card companies or all available credit card offers. The Amex Gold and Platinum cards both earn valuable Membership Rewards and come packed with perks for frequent travelers but which is better for you? Underwritten by AMEX Assurance Company. The Platinum cards current welcome bonus is: 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership, The Gold Cards current welcome bonus is: 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months of card membership. 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. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Enrollment may be required for select American Express benefits and offers. You can also use any of the international Amex-branded lounges, and a handful of other random lounges, including ones that fall under the Plaza Premium, Air Space, and Escapes brands these number more than 50. Both the Amex Platinum and the Amex Gold cards charge annual fees that will cost you several hundred dollars a year. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. The Platinum Card from American Express offers 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. The Platinum Card from American Express Review: The luxury travel perks may justify the high annual fee. This site does not include all credit card companies or all available credit card offers that are on the market. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. You can earn an above-average number of points on travel purchases and redeem your points for award flights. Visit americanexpress.com/benefitsguide for more details. Terms, conditions and limitations apply. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. The Platinum Card . Why isnt one of the best perks for the Platinum card the fact that you get a FREE Gold card with it? The Amex Gold card hotel benefits are limited to The Hotel Collection properties. ByMegan Doyle | American ExpressCredit IntelFreelance Contributor, Green, Gold, and Platinum: Meeting Travel and Dining Needs Since Day One, Amex EveryDay and Amex EveryDay Preferred: Membership Rewards for Everyday Use, Cash Magnet, Blue Cash Everyday, Blue Cash Preferred: Get Cash Back. 120,000 points. Customer service of American Express vs. Visa Winner: American Express. Blue Cash Preferred Card. Terms, conditions and limitations apply. It also comes with Priority Pass Select membership and a Global Entry or TSA Precheck application credit. On and there's one more difference between these two cards: The Gold authorized user card is plastic. WebLos datos del tercer trimestre de 2022 muestran que los 10 primeros emisores por valor de cartera han podido aumentar su volumen en valores nominales respecto al ao anterior. Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review, Amex Platinum Card vs. Amex Gold Card Overview. One could argue that the sign-up bonus* should be counted in the equation. Coverage limits apply. 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. Bottom Line: The Amex Platinum card does a nice job of providing complimentary hotel elite status and benefits at Fine Hotels & Resorts and The Hotel Collection. The Platinum Card. For each plan created after the introductory period ends, youll pay a fixed monthly Plan It fee, disclosed up front. Amex Offers can be accessed when you log into your online American Express card account. 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). Both cards have annual fees, but thanks to statement credit benefits, the effective fees are lower than you might think. The free authorized user Gold card available via the Platinum card doesn't get those perks or that points earning structure. Using Insider's valuations, you get a huge 7.2% of value back on those two top bonus categories from the Gold Card. This product provides secondary coverage and does not include liability coverage. 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. Not all vehicle types or rentals are covered. By clicking Sign up, you agree to receive marketing emails from Insider However, we may receive compensation when you click on links to products from our partners. The Platinum Card from American Express and the American Express Gold Card are your two best options for earning Membership Rewards. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. 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. If you are in the For the purchase protection benefit of the American Express Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. For the trip delay insurance benefits of The Platinum Card from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. 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. This is just one scoring method and a credit card issuer may use another method when considering your application. While The Platinum Card from American Express is a lucrative, premium card in and of itself, you can also share its perks with authorized users. But airport lounge access isnt the end of the Platinum cards travel benefits. Introduction to the American Express Platinum Card, Up to $240 digital entertainment credit ($20 each month on Peacock, Audible, The New York Times and SiriusXM), Up to $300 with Equinox (up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card; enrollment required). Its annual fee is appropriately less because of this, but the card still offers strong earning power. This bonus value is an estimated valuation. These redemptions are not recommended since youre not getting the most value from your points: Hot Tip: One of the best uses of your points can be to transfer your Membership Rewards to airline partners. you can probably justify spending the $295 annual fee thats associated with the American Express Business Gold card. If you spend more at grocery stores or at restaurants, the Gold will be more rewarding. American Express Platinum. 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. Applies to warranties of five (5) years or less. Having your bag lost, stolen, or damaged can put a damper on your trip. The Amex Platinum Card is designed for the frequent traveler who favors premium travel rewards like lounge access, elite benefits, and elevated earnings on travel purchases. 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. It comes with a $95 annual fee.8, Consider Amex EveryDay Preferred if:youre interested in a Credit Card that offers more rewards for spending at supermarkets and gas stations.8. Terms, conditions and limitations apply. 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. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. We take your comments very seriously as they really help us to improve the site. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) Authorized users do not receive the $200 airline credit or any of the other perks the primary cardholder gets. 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; Its possible that both cards in combination could be a fit as their earnings and benefits complement each other well. Enrollment required. The Serve card is an American Express branded card and as such, is accepted anywhere American Express is accepted. So, which of these cards is the better card? Past performance is not indicative of future results. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Check the data at the top of this page and the bank's website for the most current information. Underwritten by AMEX Assurance Company. 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. Everything You Need to Know to Get Your First Credit Card. Not all vehicle types or rentals are covered. 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 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. EDITORS OVERVIEW. WebThe Marriott Bonvoy Brilliant American Express Card and the Hilton Honors American Express Aspire Card annual fee is waived for military servicemembers and military spouses. Gold or Rose Gold. 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 account. 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. American Express offers several cards that earn Membership Rewards points, which you can use to book travel like flights and hotels either directly through Amex or with partners like Delta and Marriott. Terms, conditions and limitations apply. American Express periodically offers upgrade offers to Gold Card holders who want to step up to the Platinum card that can be a great deal for card members looking to switch While the Amex Gold Carddoesn't have nearly as many flashy perks as the Platinum Card, it still has a few benefits worth keeping in mind. 5x points for the primary account on flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year), 5x points on prepaid hotels booked with American Express Travel, 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x), 3x on flights booked directly with the airline or with Amex Travel, Welcome bonus of 60,000 points after spending $4,000 in the first six months, Weak on travel outside of flights and everyday spending bonus categories. The Amex Business Gold comes with an annual fee of $295, while the Amex Business Platinum includes a much higher annual fee of $695. The Amex Gold card does not offer any complimentary airport lounge access. Before upgrading, be sure to understand how what you earn on your spending will change and that your annual fee will significantly increase. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Opinions and recommendations are ours alone. These cards also can receive Amex Offers. But if you don't want to (or can't) get an IHG credit card, I've converted the above calculations into a value per night, as follows: Silver Elite: $30 / 12 nights = $2.50 per night. Both cards have a new member bonus, although the Platinum card's is higher. He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per dollar on flights booked directly with airlines or AMEX travel. With the Amex Platinum card, coverage is provided for up to $3,000 per person for carry-on bags and up to $2,000 for checked bags. Keep an eye on your inboxwell be sending over your first message soon. Terms apply to the offers listed on this page. In the 2020 U.S. Credit Card Satisfaction Study by J.D. 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. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access. 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x), 3x points on flights booked directly with airlines or Amex Travel, 5x points on flights booked directly with airlines or Amex Travel**, 5x points on prepaid hotels booked through Amex Travel**, Up to $10 each month at select restaurants*, Up to $15 in Uber credits each month** ($35 in credits in December), Up to $200 in airline incidental fee credits** each calendar year, Up to $100 in Saks Fifth Avenue credits** each year, Amex Fine Hotels & Resorts hotel program access, Application fee credit for Global Entry or TSA PreCheck, Gold elite status with Hilton and Marriott**. A $120 Equinox+ Credit to use toward Equinox+, a premium fitness streaming service with immersive workouts, including yoga, meditation, spin, strength training, and cardio classes. Same name, different cards: How to distinguish the Amex Gold card from the authorized-user Gold card, This post contains references to products from one or more of our advertisers. There's a lot to love about the Amex Gold card. If youre an avid traveler and restaurant-goer, these three classic American Express Cards were designed to meet your needs. Earn 100,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. 7For more on Rates and Fees for Amex EveryDay Credit Card, clickhere. Underwritten by New Hampshire Insurance Company, an AIG Company. plane, train, ship, or bus). 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. If your spending habits include a lot of booked travel, the Platinum card is a great option. 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. The Platinum card offers 5 points per dollar spent on flights and hotels (on up to $500,000 in combined purchases per calendar year, then 1 point per dollar), as long as you book with the airline orAmerican Express Travel. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Each month, cardholders receive $15 of credits to use on Uber rides or for Uber Eats. 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. For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. The Amex Gold Card's restaurant category is broad I've gotten the category bonus at restaurants, bars, pubs, and cafes. Learn more. The Platinum Card from American Express and the American Express Gold Card are your two best options for earning Membership Rewards. Amex Platinum ultimately offers more value, though. Eligibility and benefit level varies by card. The Amex Gold now also is back in the stunning Rose Gold variant. 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. However, both cards can help you avoid buying a standalone travel insurance policy for cheaper trips. Visit americanexpress.com/benefitsguide for more details. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and six kids. Visit americanexpress.com/benefitsguide for more details. of The Business Platinum Card from American Express. 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). Read on to learn more about the Amex Gold Card and Platinum Card and to see which is better for you. This site does not include all financial companies or all available financial offers. Book a 2-night stay at any The Hotel Collection property with either card and receive a room upgrade, when available, and up to $100 in credits for qualifying purchases made at the hotel. Not every American Express card earns these valuable points, however, the 2 cards featured in this article both do. Amex Platinum Amex Gold; Annual fee: $695: $250: Earning rates: 5 points per dollar on flights booked directly with airlines or via American Express Travel (on up to $500,000 in purchases per calendar year) 5 points per dollar on prepaid hotels booked with American Express Travel 1 point per dollar on other eligible purchases 4 points per The Amex Gold carddoes not have coverage that includes the cost of the actual medical evacuation services provided. Offer Description and Conditions: The 45,000 Bonus Scene+ Points and First Year Annual Fee Waiver Offer (the Offer) applies only to new Scotiabank Gold American Express credit card accounts (Accounts) opened by April 30, 2023 and is subject to the conditions below. Gold Elite (minus $40 of milestone rewards): $90 / 24 nights = $3.75 per night. The right Credit Card for you depends on your lifestyle and spending preferences. Underwritten by AMEX Assurance Company. The Platinum Card's lounge access is more extensive than anything offered by any other card. 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. 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 Visit americanexpress.com/benefitsguide for more details. For Amex Gold cardholders, secondary Gold Cards are free. Improve earnings, maximize rewards and track progress toward dream trips. But the above benefits and the monthly Uber Cash perks are useful for saving on luxury travel. We really appreciate it! 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. Visit americanexpress.com/benefitsguide for more details. Terms, conditions and limitations apply. While the Platinum Card does not come with a free American Express Gold Card like the one we are comparing in this article, you can add users to your Platinum Card who then subsequently receive a different basic Gold card which is free. For the car rental collision damage coverage benefit of The Platinum Card from American Express, car rental loss and damage insurance can provide coverage up to $75,000 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. For example, the American Express Platinum card comes with a welcome offer of 80,000 points 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. We recommend checking the tool for a higher welcome bonus before you apply; theres no impact to your credit score. Terms apply to offers below. Complimentary access to several networks can easily be worth more than the annual fee if you currently pay for several memberships. Dan Miller 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. The Platinum Card from American Express overview. There are several additional valuable travel benefits and protections that come with both the Amex Platinum card and the Amex Gold card. All Rights Reserved. Visit americanexpress.com/benefitsguide for more details. The Premium Global Assistance Hotline that comes with the Amex Platinum card includes emergency medical evacuation services for the cardholder and covered family members. For instance, the American Express Business Gold Cards annual fee is $295, $400 cheaper than The Business Platinum Card from American 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. The good news is having a Gold authorized user card won't prevent you from earning the welcome bonus on the Amex Gold Card, with its $250 annual fee (see rates and fees). Use those points for a statement credit, to buy gift cards, to book travel or transfer to one of multiple airline and hotel transfer partners. 3% cash back at U.S. gas stations, on up to $6,000 in yearly purchases. Eligibility and benefit level varies by card. Rides and Eats ($15 per month and $20 extra in December after you add your eligible card to your Uber account), up to $100 in Saks Fifth Avenue statement credits annually (two $50 credits, one January to June and the second from July to December), and up to $300 in annual statement credits on select Equinox memberships or the Equinox+ digital fitness app when you pay with your card. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. You must pay for the entire common carrier ticket with your card. The Platinum Card from American Express and the Delta SkyMiles Reserve American Express The eligible cabins are first class, business, and premium economy with the International Airline Program. Terms apply to offers listed on this page. Eligibility and benefit level varies by card. The American Gold also adds 4X points per dollar spent at U.S. supermarkets on up to $25,000 a year in purchases, and 1X points on other eligible purchases. 13For more on Offer & Benefit Terms for the Blue Cash Preferred Card from American Express, click here. For rates and fees of the American Express Gold Card, click here. Perhaps the most straightforward of American Express cash back Cards is the Cash Magnet, with unlimited 1.5% cash back on all eligible purchases. You get complimentary access to these lounge networks: The airline-operated lounges are only available when you have a same-day itinerary with the carrier. Platinum: 75,000 Loyalty Points. Check here before booking an award fare. If youre a foodie who spends a lot on restaurants, groceries and Uber Eats deliveries, the Gold card might be for you. Elite members receive benefits such as upgraded rooms, elevated bonus point earnings, late checkout, and more. The Platinum Card from American Express military policy waives the annual fee on the American Express Platinum card for active duty servicemembers and military spouses.. 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. Terms, conditions and limitations apply. click here to leave your comment. Executive Platinum: 11 miles. Read our editorial standards. The Platinum Card offers its most generous earnings for flights and hotels booked with American Express Travel. Coverage is provided in excess of other insurance and important terms and conditions apply. 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. If your trip is canceled or interrupted for a covered reason, you can receive up to $10,000 per trip and up to $20,000 per eligible card per 12 consecutive month period. Travel-oriented extras include no foreign transaction fees3, $100 yearly credits for airport lounge access, and up to $189 per calendar year in statement credits when using your Card to pay for CLEAR, a service that uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. The Amex Gold Card's welcome bonus offer is 60,000 points after you spend at least $4,000 in your first 6 months of card membership. Platinum Pro: 125,000 Loyalty Points. You can choose the winner to earn the most points and maximize the card benefits. Please review. 3For more on Rates and Fees for the American Express Green Card, clickhere. No other card will give you access to as many premium airport lounges as the American Express Platinum card. For more information on our advertisers, see here. 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. Note. 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. Many people find that having more than one American Express card can give them additional opportunities to earn rewards or enjoy the benefits offered by different card products. Actualmente el mercado de tarjetas de crdito en Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior 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. American Express is not as secretive about this card as it is with the Black Card. Please try again later. 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. 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. 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. There are two ways to go For the Global Assist Hotline benefit of the American Express Gold Card, you can rely on 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. Are you sure you want to rest your choices? Youll find valuable trip disruption benefits on both cards if your trip needs to be canceled or you experience a trip interruption, for covered reasons, during your travels. No-fee basic Gold cards for authorized users (not the same as the Amex Gold card) ( rates and fees) $250 annual fee. 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. If you dine out frequently, spend a lot on groceries, but still purchase flights and use Amex Travel, chances are that youll earn more with the Amex Gold card. Every January, you pick one airline for that credit to apply toward. 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. Hot Tip:Check to see if youre eligible for a welcome offer of up to 150,000 points with the Amex Platinum card! If you cant stomach the thought of shelling out that much for a card, even with all the perks and extras, consider a card like the Amex EveryDay Credit Card* which carries no annual fee and earns 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. They may look similar on the outside, but they're made up of entirely different ingredients. The annual fee for the fourth or more cards is $175 per card (see rates and fees). The additional user will receive their own card, but the primary cardholder is responsible for any charges made on the card. Here are a few expert tips to help you with your search. For the purchase protection benefit of the American Express Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. The Platinum Card from American Express is highly appealing because it offers a treasure chest of benefits. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Incidental air travel fees charged by both Platinum and Gold card members are eligible for statement credits (up to $200 annually). WebAmerican Express has many great business card options. The American Express Business Platinum Card gives your enterprise access to Amexs business partners, offering over $1,000 in credits for business services. For instance, if you have the Platinum Card from American Express, you qualify for trip delay insurance up to $500 per trip (maximum two claims per eligible card) vs. $300 for those with an American Express Gold Card. The Forbes Advisor editorial team is independent and objective. Fortunately in both cases, with welcome offers, statement credits, premium travel perks, or accelerated earnings on everyday purchases, its possible to derive value that could completely negate the annual fee. 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. Card limits of coverage vary slightly for trip delay coverage. The two most "premium" cards are the Amex Gold Card and the Platinum Card and if you're serious about earning points and you're willing to pay a sizeable annual fee in exchange for benefits, these are the top Amex cards to consider. Featured Image Credit: Amex Platinum Amex Gold; Annual fee: $695: $250: Earning rates: 5x on flights booked directly with airlines or via American Express Travel (on up to $500,000 in purchases per calendar year) 5x on prepaid hotels booked with American Express Travel 1x on other eligible purchases 4x on dining at restaurants (including takeout and delivery in the U.S.) 4x at U.S. Up to $100 a year in hotel credits to spend on qualifying dining, spa, and resort activities at participating properties. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Both the Amex Gold and the Platinum card are premium cards offered to consumers with very good to excellent credit. Start with a $20 per month credit for purchases or subscriptions with Audible, The New York Times, SirusXM and Peacock after you enroll. Visit americanexpress.com/benefitsguide for more details. We may be compensated when you click on links from one or more of our advertising partners. Since both the Amex Platinum card and the Amex Gold card earn Membership Rewards points, youll find the same redemption options with either card: In addition, you have the option to redeem your points in other ways for less than 1 cent per point. 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). This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). There is a stark difference in the annual fee of both cards: The price gap is even wider if you intend on adding additional users. You can earn bonus Membership Rewards on select travel purchases with either card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. Credits for spending at a specific retailer or bonus category can directly impact your net out-of-pocket expense for the annual fee. The first is up to a $200airline fee credit each calendar year. This Amex Platinum Card vs. Amex Gold Card comparison looks at the various perks. Eligibility and benefit level varies by card. An authorized user on your Amex Platinum card can enjoy the same lounge access as the primary cardholder. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Visit americanexpress.com/benefitsguide for more details. There are a couple of ways to get discounted travel and complimentary on-site benefits: This card doesnt offer airport lounge benefits or airline fee credits. Authorized users on the Platinum card get their own airport lounge access, Gold status with Hilton and Marriott and access to American Expresss Fine Hotels and Resorts and The Hotel Collection. You can either pay an additional $175 per year for up to three authorized users who get their own Platinum authorized user cards (see rates and fees). 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. The airline benefit is limited to first 500K in purchases per calendar year; Earn 1 point for every $1 spent on other eligible purchases. Finally, you can get up to$100 in shopping creditseach year at Saks stores, broken into two chunks: You'll get up to $50 during the first six months of the year, and another $50 during the second. Eligibility and benefit level varies by card. However, the Amex Schwab Platinum card requires that you first have a qualifying Schwab account to apply for the card. Content published under this author byline is generated using automation technology. Plus, we may provide emergency medical transportation assistance and related services. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. How do I Redeem Membership Rewards Points? So if you buy a one-way American Airlines ticket from Chicago to New York that costs $120 and includes $20 in taxes (note that we've rounded these amounts), you'd typically earn 500 miles ($100 at 5 miles per dollar) as an AAdvantage member without elite status. The American Express Business Platinum Card gives your enterprise access to Amexs business partners, offering over $1,000 in credits for business services. 2 Underwritten by AMEX Assurance Company. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates. Each of these benefits requires enrollment. This service is offered with each card and coverage is valid when traveling more than 100 miles from home. Blue Cash Everyday Card. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. If youll use the premium travel benefits that come with the Amex Platinum card, it is worth it. Initial bonuses are just a one-time thing, though, and they can obviously change. Eligibility and benefit level varies by card. Best Offer Ever. 2022 Forbes Media LLC. If you want additional Platinum Cards, you pay a flat fee of $175 for up to three additional cards. (The current public offer is 80,000 points. 1 point per dollar on other purchases. 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. Amex EveryDay Credit Card. as well as other partner offers and accept our, Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required), Annual statement credits with Saks and Uber, Bonus categories leave something to be desired, One of the highest annual fees among premium travel cards, Great rewards for dining and for shopping at US supermarkets, Monthly statement credit for eligible dining purchases recoups some of the annual fee. The Amex Platinum does offer trip interruption and cancellation coverage, but if you want benefits like trip delay and baggage delay coverage, the Chase Sapphire Reserve offers overall more comprehensive coverage. The short answer is no. Once youve completed the described purchase, you will receive a statement credit or bonus Membership Rewards points. Plus, you earn 1 - 5 points per $1 spent, depending on the type of purchase. Terms, conditions and limitations apply. The annual fee on the Platinum card comes in at $695 one of the highest on the market. Plan It by American Express lets you make purchases of $100 or more on the Card and split them into fixed monthly installments. When comparing the American Express Gold Card and The Platinum Card from American Express, both are excellent American Express card choices. 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. 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. 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]. Applies to warranties of five (5) years or less. Your spending earns Membership Rewards points that can be redeemed in a variety of ways, such as travel, gift Cards, and statement credits. If you're hitting the skies soon, you'll also earn bonus points on travel. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. Winner: For most, the American Express Gold Card will be more lucrative. Related: Why you should add authorized users on your Amex Platinum. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 2022 The Vacationer. Learn More about Ink Business Cash Credit Card Terms Apply. Unmatched perks of the American Express Platinum CardOverview of the benefits on offer. The American Express Platinum Card comes teeming with benefits that turn your leisure or business travel from just getting from A to B to Travel benefits. The Platinum Card offers four main forms of travel benefits. Lounge benefits. Hotel Status benefits. Insurance Cover. American Express benefits. Summing up. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. is a freelance writer and founder of PointsWithACrew.com, a site that helps families to travel for free or cheap. The cards are really designed for 2 separate types of consumers. Eligibility for these offers are limited. Nevertheless, whether the enhanced perks of the American Express Platinum card are worth its higher annual fee will depend on your specific spending and travel habits. That's because booking frequent flyer "award tickets" is different than buying reservations outright you canread more about how it works here. Terms apply to all benefits for the Credit Cards listed below and all offers listed are subject to change. The American Express Platinum cards perks are better and more extensive than those on the Gold card. For rates and fees of the American Express Gold Card, please click here. Performance information may have changed since the time of publication. The Platinum Card from American Express vs. Citi Prestige Credit Card The Citi Prestige Credit Card offers comparable luxury travel benefits for a $495 annual fee. 5 Stars, 80,000 Membership Rewards points after spending $6,000 on purchases in the first six months of card membership. Eligibility and benefit level varies by card. American Express Gold Card. For rates and fees of The Platinum Card from American Express, click, For rates and fees of the American Express Gold Card, click. See the online credit card applications for details about the terms and conditions of an offer. 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. Plus, we may provide emergency medical transportation assistance and related services. However, authorized user Gold cardholders are not eligible for Priority Pass Select membership or for access to Centurion Lounges, nor are they eligible for other perks such as annual Uber credits (for U.S. services) and elite status at certain hotels and rental car agencies. One of the most valued frequent flyer perks of a top-tier credit card is lounge access and the American Express Platinum card is already well ahead on that score, with its own network of Amex lounges plus access to Plaza Premium and Priority Pass lounges. 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