Amex Gold
Amex
$325/yrAmex Membership RewardsNo foreign feeAmexGood
View issuer offerComparison brief
Amex Gold vs. Amex Platinum
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A $570 gap in annual fee has to be closed somewhere. The Gold answers with 4x on dining and groceries; the Platinum answers with 5x on eligible flights and prepaid Amex Travel hotels plus a much longer — but much narrower — list of credits.
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Overview
Amex Platinum
Amex
$895/yrAmex Membership RewardsNo foreign feeAmexExcellent
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- Amex Gold
- 4xHighest
- Amex Platinum
- 1x
Flights outside issuer portals
- Amex Gold
- 3x
- Amex Platinum
- 5xHighest
Everything else
- Amex Gold
- 1x
- Amex Platinum
- 1x
| Category | Amex Gold | Amex Platinum |
|---|---|---|
| Dining | 4xHighest | 1x |
| Flights outside issuer portals | 3x | 5xHighest |
| Everything else | 1x | 1x |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Amex Gold
- 2xHighest
- Amex Platinum
- 1x
Amex Travel - Flights
- Amex Gold
- 3x
- Amex Platinum
- 5xHighest
Amex Travel - Hotels
- Amex Gold
- 5x
- Amex Platinum
- 5x
| Category | Amex Gold | Amex Platinum |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 2xHighest | 1x |
| Amex Travel - Flights | 3x | 5xHighest |
| Amex Travel - Hotels | 5x | 5x |
Highest marks a unique highest listed rate; muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Uber Cash
- Amex Gold
- $60/yr estimated usableUp to $120/yrEasy to use
- Amex Platinum
- —
Dining Credit
- Amex Gold
- $120/yr estimated usableEasy to use
- Amex Platinum
- —
Resy Dining Credit
- Amex Gold
- $0/yr estimated usableUp to $100/yrConditional
- Amex Platinum
- —
Dunkin' Credit
- Amex Gold
- $0/yr estimated usableUp to $84/yrConditional
- Amex Platinum
- —
Airline Incidental Credit
- Amex Gold
- —
- Amex Platinum
- $100/yr estimated usableUp to $200/yrConditional
Hotel Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $600/yrConditional
Digital Entertainment Credit
- Amex Gold
- —
- Amex Platinum
- $240/yr estimated usableUp to $300/yrEasy to use
Uber Cash
- Amex Gold
- —
- Amex Platinum
- $120/yr estimated usableUp to $200/yrEasy to use
Uber One Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $120/yrConditional
lululemon Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $300/yrConditional
Resy Dining Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $400/yrConditional
Walmart+ Membership Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $155/yrConditional
Oura Ring Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $200/yrConditional
Equinox Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $300/yrConditional
CLEAR Plus Credit
- Amex Gold
- —
- Amex Platinum
- $0/yr estimated usableUp to $219/yrConditional
Global Entry/TSA PreCheck
- Amex Gold
- —
- Amex Platinum
- $30/yr estimated usableUp to $120/yrEasy to use
Estimated usable credit value
- Amex Gold
- $180/yr
- Amex Platinum
- $490/yr
Maximum face value
- Amex Gold
- $424/yr
- Amex Platinum
- $3,114/yr
| Credit | Amex Gold | Amex Platinum |
|---|---|---|
| Uber Cash | $60/yr estimated usable Up to $120/yr Easy to use | — |
| Dining Credit | $120/yr estimated usable Easy to use | — |
| Resy Dining Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Dunkin' Credit | $0/yr estimated usable Up to $84/yr Conditional | — |
| Airline Incidental Credit | — | $100/yr estimated usable Up to $200/yr Conditional |
| Hotel Credit | — | $0/yr estimated usable Up to $600/yr Conditional |
| Digital Entertainment Credit | — | $240/yr estimated usable Up to $300/yr Easy to use |
| Uber Cash | — | $120/yr estimated usable Up to $200/yr Easy to use |
| Uber One Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| lululemon Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| Resy Dining Credit | — | $0/yr estimated usable Up to $400/yr Conditional |
| Walmart+ Membership Credit | — | $0/yr estimated usable Up to $155/yr Conditional |
| Oura Ring Credit | — | $0/yr estimated usable Up to $200/yr Conditional |
| Equinox Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| CLEAR Plus Credit | — | $0/yr estimated usable Up to $219/yr Conditional |
| Global Entry/TSA PreCheck | — | $30/yr estimated usable Up to $120/yr Easy to use |
| Estimated usable credit value | $180/yr | $490/yr |
| Maximum face value | $424/yr | $3,114/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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