American Express Gold or American Express Platinum?

American Express Platinum returns $2,109 over its fee and American Express Gold returns $99, so the fee difference comes down to which categories you use.

American Express GoldAmerican Express · $325 fee · 4 credits

American Express PlatinumAmerican Express · $895 fee · 12 credits

NET VALUE+$99$424 credits

NET VALUE+$2,109$3,004 credits

CATEGORY	GOLD	PLATINUM
✨Lifestyle	$120	$955
🌎Travel	—	$1,019
🍽️Food & Dining	$424	$580
🚗Transportation	$120	$300
🎭Entertainment & Media	—	$300
Lounge Access	—	Centurion Lounge Access Delta Sky Club Access Priority Pass Select (No Restaurants)
Total credits	$424	$3,004
Annual fee	$325	$895
Net value	+$99	+$2,109

AMERICAN EXPRESSAmerican Express Gold

FEE$325

CREDITS$424

NET+$99

Category wins0 of 5

BEST NET VALUE

AMERICAN EXPRESSAmerican Express Platinum

FEE$895

CREDITS$3,004

NET+$2,109

Category wins5 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Centurion Lounge Access

Delta Sky Club Access

Priority Pass Select (No Restaurants)

TAKE THE AMEX PLATINUM IF

You use travel, lifestyle, food & dining, or any of its 5 winning categories. Travel and Entertainment & Media alone are worth $1,319 here and nothing on the Amex Gold.

Where to use each card

AMEX GOLD

🍽️

Resy Credit Restaurants10830 LOCATIONS

Browse →

AMEX PLATINUM

🍽️

Resy Credit Restaurants10830 LOCATIONS

Browse →

🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

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Frequently asked questions

Which is better, American Express Gold or American Express Platinum?

The American Express Platinum is better with $2,109 net annual value compared to the American Express Gold at $99. The American Express Platinum wins by $2,010/year.

What's the difference between American Express Gold and American Express Platinum?

The key differences: American Express Platinum has a $895 annual fee and $3,004 in annual benefits, while American Express Gold has a $325 annual fee and $424 in annual benefits. The annual fee difference is $570.

Which has a lower annual fee, American Express Gold or American Express Platinum?

The American Express Gold has a lower annual fee at $325 compared to the American Express Platinum at $895. However, the American Express Platinum offers $3,004 in total annual benefits.

Is the American Express Platinum worth it compared to the American Express Gold?

Yes, the American Express Platinum offers better value with $2,109 net annual value compared to $99 for the American Express Gold. Even though it has a higher annual fee ($895 vs $325), the American Express Platinum provides more total benefits.

Which card is better for travel?

The American Express Platinum is better for travel with $1,019 in annual travel benefits compared to $0 for the American Express Gold.

Should I get the American Express Platinum?

If you're deciding between the American Express Gold and American Express Platinum, the American Express Platinum is the better choice with $2,109 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.