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COMPARE/AMEX GOLD VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

American Express Gold or The Ritz-Carlton Credit Card?

American Express Gold returns $99 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

American Express Gold
American Express GoldAmerican Express · $325 fee · 4 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$99$424 credits
NET VALUE-$120$330 credits
BEST NET VALUE
American Express Gold
AMERICAN EXPRESSAmerican Express Gold
FEE$325
CREDITS$424
NET+$99
Category wins3 of 4
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 4
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE AMEX GOLD IF

You use food & dining, lifestyle, transportation. Food & Dining and Lifestyle and Transportation alone are worth $664 here and nothing on the The Ritz-Carlton Credit Card.

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel. Travel alone is worth $300 here and nothing on the Amex Gold.

Where to use each card

AMEX GOLD
🍽️
Resy Credit Restaurants10830 LOCATIONS
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THE RITZ-CARLTON CREDIT CARD
🛫
Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, American Express Gold or The Ritz-Carlton Credit Card?

The American Express Gold is better with $99 net annual value compared to the Ritz-Carlton Credit Card at -$120. The American Express Gold wins by $219/year.

What's the difference between American Express Gold and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $424 in annual benefits, while American Express Gold has a $325 annual fee and $330 in annual benefits. The annual fee difference is $125.

Which has a lower annual fee, American Express Gold or The Ritz-Carlton Credit Card?

The American Express Gold has a lower annual fee at $325 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the American Express Gold worth it compared to the Ritz-Carlton Credit Card?

Yes, the American Express Gold offers better value with $99 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's American Express Gold offers better value with $99 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The American Express Gold is better for food_and_dining with $424 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the American Express Gold?

If you're deciding between the American Express Gold and The Ritz-Carlton Credit Card, the American Express Gold is the better choice with $99 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

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