Visit americanexpress.com/benefitsguide for more details. You can get up to $120 each year in dining credits, broken into monthly $10 portions. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. Get highlights of the most important news delivered to your email inbox. Plan It by American Express lets you make purchases of $100 or more on the Card and split them into fixed monthly installments. 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. Also worth noting is that there is no additional fee to add authorized user cards on the American Express Gold card (up to five additional cards, then $35 annually for six or more). The best American Express card will be the one that fits your spending style, your benefit priorities, and your tolerance for paying an annual fee. 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. 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. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. That would mean you're not just making up for the annual fee, you're actually getting more value than the fee in the first place. The Platinum Card has better coverage, as you might expect. Terms apply to offers below. You can choose the winner to earn the most points and maximize the card benefits. There are several additional valuable travel benefits and protections that come with both the Amex Platinum card and the Amex Gold card. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Consider the Green Cardif: youre a more casual traveler and diner, can pay an annual fee of $150,3 and you desire a fairly flexible repayment scheme. Both cards have tangible benefits like annual statement credits that make up for the annual fee, but there are some pretty significant differences between them. But theres a lesser-known lounge partner in the mix, and thats Lufthansa. That said, if you dont typically check your luggage, then you will earn more overall using the Platinum card. There are two ways to go 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. U.S. supermarket and dining purchases earn the most but certain travel purchases also receive elevated earnings. He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. Are you sure you want to rest your choices? Visit americanexpress.com/benefitsguide for more details. Theres no annual fee.7, Consider the Amex EveryDay Cardif: youre interested in a Card that allows you to earn rewards for everyday purchases like groceries and dont want to pay an annual fee.7, Amex EveryDay Preferred Credit Card. Insider's experts choose the best products and services to help make smart decisions with your money (heres how). Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). 9For more on Rates and Fees for the Cash Magnet Card, clickhere. These benefits are different from the Amex Gold Card which specializes in saving money at restaurants. Adding an authorized user can make sense when you want a household member to receive benefits such as lounge access and other perks. 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 Some may have trouble using Uber/food credits. The Platinum Card from American Express and the Delta SkyMiles Reserve American Express Both the Amex Platinum and the Amex Gold cards charge annual fees that will cost you several hundred dollars a year. Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. All Rights Reserved. Visit americanexpress.com/benefitsguide for more details. However, neither card is a perfect fit for everybody. You can save hundreds of dollars each year or earn additional Membership Rewards points per dollar spent with the Amex Offers that are available with either card. Plus, you earn 1 - 5 points per $1 spent, depending on the type of purchase. Compare the cost in points or miles to cash, and see which option is best. The Serve card is an American Express branded card and as such, is accepted anywhere American Express is accepted. 13For more on Offer & Benefit Terms for the Blue Cash Preferred Card from American Express, click here. An eligible item you have purchased with your card is covered for theft or damage for up to 120 days from the date of purchase. Terms apply to offers listed on this page. Earn 4X Membership Rewards points at Restaurants, plus takeout and delivery in the U.S. The Platinum Card is the next step up from the Gold Card and comes with many luxury Focusing just on earning power here, and not considering the whole card package, theres probably a clear winner that matches your greatest annual expenses. Not all vehicle types or rentals are covered. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. 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. Customer service of American Express vs. Visa Winner: American Express. You should also check the CardMatch Tool to see if youre targeted for a 75,000-point Gold Card offer (subject to change at any time). That's worth about $1,080, based on Insider's valuations. Power, American Express came in first. Plus, we may provide emergency medical transportation assistance and related services. 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. Capital One Venture X Vs. Chase Sapphire Reserve, The Platinum Card from American Express, The Business Platinum Card from American Express, Platinum Card ownership comes with more extras. When you pay with your card,statement credits are earned on a monthly basis of up to $20 and can be earned on purchases at any qualifying entertainment partner. You cant go wrong with either of these fine American Express cards if youll use the benefits offered with the card you select. The card earns 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. Here are a few expert tips to help you with your search. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Both the Platinum Card from American Express and the American Express Gold Card offer generous welcome bonuses to entire new cardmembers to try the cards. That means potentially being able tofly long-haul in first or business class with points, among other things. Both cards offer the same purchase protection coverage. Eligibility and benefit level varies by card. For rates and fees of The Platinum Card from American Express, please click here. For an explanation of our Advertising Policy, visit. Making the choice to have an American Express card in your wallet is an easy decision, especially when the card earns flexible Membership Rewards points and comes with a long list of benefits. Each month, cardholders receive $15 of credits to use on Uber rides or for Uber Eats. The short answer is no. MoneyGeek compared the two credit cards on several factors including rewards programs, annual fees, welcome offers and more to help you choose which is more suitable for your needs. 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. Added benefits is where the Platinum Cardreally shines. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. 3% cash back at U.S. gas stations, on up to $6,000 in yearly purchases. Underwritten by New Hampshire Insurance Company, an AIG Company. Underwritten by AMEX Assurance Company. If youre an avid traveler and restaurant-goer, these three classic American Express Cards were designed to meet your needs. Visit americanexpress.com/benefitsguide for more details. Using the Amex Platinum and Amex Gold cards in tandem to earn maximum rewards on your spending can lead to getting maximum returns on your points redemptions. Disclaimer: Amex is an Insider advertiser. 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. Visit americanexpress.com/benefitsguide for more details. If you arent much of a traveler, the high-end perks that come with a premium travel card like the Amex Platinum likely wont make that high annual fee worth it to you. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. Opinions and recommendations are ours alone. In this episode Spencer Reese and Jamie break down the differences between two of the best Amex hotel credit cards available: The Amex Bonvoy Brilliant and the Amex Get information on latest national and international events & more. Not all vehicle types or rentals are covered. Earning rewards is important as their value can far exceed the cost of any annual fee you would have to pay for a card. In December, that's boosted to $35. Underwritten by AMEX Assurance Company. The Platinum Card from American Express vs. American Express Gold Card. 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. 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. Underwritten by New Hampshire Insurance Company, an AIG Company. Both cards also have access to premium car rental protection for 1 low fee that covers the entire rental period, not a daily fee like the rental agencies charge. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list, 4.75 out of Bottom Line: The Amex Platinum cardcomes with a premium version of the Global Assist Hotline. 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. By providing my email address, I agree to CreditCards.coms The baggage insurance plans that come with both cards can help save the day. Complimentary access to several networks can easily be worth more than the annual fee if you currently pay for several memberships. 2022 Forbes Media LLC. 2022 Upgraded Points, LLC. The American Express Gold card offers very little in the way of travel benefits, but earns 4 Membership Rewards points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases. Incidental air travel fees charged by both Platinum and Gold card members are eligible for statement credits (up to $200 annually). Amex Offers can be accessed when you log into your online American Express card account. 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. This card also stretches your purchasing power with select retail and entertainment brands. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Earn 150,000 points. The Premium Global Assistance Hotline that comes with the Amex Platinum card includes emergency medical evacuation services for the cardholder and covered family members. American Express is not as secretive about this card as it is with the Black Card. The Platinum Card from American Express and the American Express Gold Card are your two best options for earning Membership Rewards. The most popular gold and platinum duo are the two American Express cards. 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. Underwritten by AMEX Assurance Company. Access your favorite topics in a personalized feed while you're on the go. 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. 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. The American Express Platinum Card has a $695 annual fee, which is a pretty big hurdle to overcome. The question is whether the Delta Platinum Amex is worth the $250 annual fee (see rates and fees) compared to the introductory annual fee of $0 for the first year, then $99 annually (see rates and fees) for the Delta Gold Amex. 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. Third-party service costs may be your responsibility. Issuers may also add or subtract benefits from their cards, so check out the webpage or enrollment materials for The Forbes Advisor editorial team is independent and objective. Not every American Express card earns these valuable points, however, the 2 cards featured in this article both do. There are many additional redemption options including retail shopping, gift cards, and statement credits, but most result in a value of less than 1 cent per point and are not normally a good use of your points. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. The Platinum Card from American Express overview. This product provides secondary coverage and does not include liability coverage. While its the more expensive choice, the Amex Delta Platinum offers frequent Delta flyers a lot more value at the end of the day. For rates and fees of the Amex Platinum, click here.For rates and fees of the Amex Gold, click here. 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. Reasonable efforts are made Earn 4X Membership Rewards points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards points at US supermarkets on up to $25,000 per calendar year in purchases; Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com; Earn 1X points on other eligible purchases. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Essential reads, delivered straight to your inbox. Make your next trip even more memorable with over 2,000 hotels to choose from, all handpicked with high standards. When comparing the American Express Gold Card and The Platinum Card from American Express, both are excellent American Express card choices. Vacationer and/or The Vacationer are trademarks of Jones-Dengler Marketing, LLC, Privacy Policy | Do Not Sell My Personal Information | Accessibility Statement, How to Get Through TSA Airport Security Faster, Best & Worst Days to Fly for Christmas and New Year's, American Airlines Baggage Fees & Allowance, Best Ways to Earn United MileagePlus Miles, Capital One Venture X Rewards Card Benefits, Capital One Venture Rewards Card Benefits, Best Credit Cards for Rental Car Insurance, Best Credit Cards for Global Entry & TSA PreCheck, Best Credit Cards for Airport Lounge Access, Credit Score Requirements for the Amex Gold Card, $175 for up to 3, then $175 each for 4th or more card, $0 for the first 5 and then $35 for the 6th or more card, 100,000 Membership Rewards after spending $6,000 in 6 months ($1,000 value), 60,000 Membership Rewards after spending $4,000 in 6 months ($600 value), 5x on flights booked directly through airlines or with American Express Travel (up to $500,000 per year). Every day, we strive to bring you peace-of-mind as you work toward your financial goals. 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 earnings are the same on the free Gold card as the Platinum Card but these additional members do not receive any of the lounge access, elite status, or statement credit benefits. He primarily covers airlines and air travel. There are several questions you can ask yourself when youre considering applying for any travel rewards card: With these questions in mind, you can review the benefits that come with each card and a clear winner that matches your purpose will surface. Eligibility and benefit level varies by card. The coverage is also subject to a $3,000 aggregate limit per covered trip. Terms, conditions and limitations apply. It earns 1 point per dollar on everything else. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. If you want additional Platinum Cards, you pay a flat fee of $175 for up to three additional cards. Coverage limits apply. The level of access offered by the Amex Platinum card has become the gold standard among premium travel rewards cards. When you add an authorized user to your card, that person can make charges on the card. Points are worth 1 each toward flights, but if you book a hotel or anything else, you'll only get 0.7 cents per point. With the Gold Card youll earn 4 Membership Rewards points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. However, both cards can help you avoid buying a standalone travel insurance policy for cheaper trips. Your plan fee will be up to 1.33% of each purchase moved into a plan, with the exact percentage determined by the plan duration, the APR that would otherwise apply to the purchase, and other factors. Keep an eye on your inboxwell be sending over your first message soon. 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. 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, the Amex Schwab Platinum card requires that you first have a qualifying Schwab account to apply for the card. 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. Winner: For most, the American Express Gold Card will be more lucrative. Using Insider's valuations, you get a huge 7.2% of value back on those two top bonus categories from the Gold Card. 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. Visit americanexpress.com/benefitsguide for more details. However, this version of the Gold Card is not the same as the American Express Gold Card that many know and love. The Amex Gold now also is back in the stunning Rose Gold variant. Find the right card for you. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. Underwritten by AMEX Assurance Company. Instead of earning points that you can then redeem for a number of options, cash back can be redeemed for statement credits effectively earning you a discount on every purchase. Eligibility and benefit level varies by card. The Platinum Card has one of the highest annual fees you'll find in a mainstream rewards card $695. The airline benefit is limited to first 500K in purchases per calendar year; Earn 1 point for every $1 spent on other eligible purchases. Both the Platinum Card and the Gold Card earn their rewards as Membership Rewards points which are transferable to a variety of hotel and airline travel partners. Using the Amex Platinum and the Amex Gold does require a bit more mental energy than a card that earns the same flat rate on every purchase. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. 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. Visit americanexpress.com/benefitsguide for more details. For the purchase protection benefit of The Platinum Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. The Amex Platinum card comes with a premium Platinum Concierge service. Visit americanexpress.com/benefitsguide for more details. Cardmembers was a reporter at The Points Guy, where he covered the intersection of credit card rewards and travel. If you spend more at grocery stores or at restaurants, the Gold will be more rewarding. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. David is a Senior Transportation Reporter for Business Insider. Having your bag lost, stolen, or damaged can put a damper on your trip. This site is protected by reCAPTCHA and the Google For each plan created after the introductory period ends, youll pay a fixed monthly Plan It fee, disclosed up front. 2 Check the data at the top of this page and the bank's website for the most current information. If you are interested in maximizing your rewards, there are a lot of opportunities to find a sweet spot where you can get outsized value on hotel bookings or airfare by transferring your rewards. We'd love to hear from you, please enter your comments. Shipping available in the contiguous U.S. only. We really appreciate it! Platinum Pro: 9 miles. However, redeeming for anything aside from travel offers a poor value, usually 0.5-0.8 cents each, and is generally a poor use of points. Applies to warranties of five (5) years or less. Learn more. Everyone enjoys hotel benefits such as an upgraded room or late checkout. 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. Both the Amex Gold and the Platinum card are premium cards offered to consumers with very good to excellent credit. EDITOR'S OVERVIEW The Platinum Card from American Express is the winner over the American Express Gold Card.While its a more expensive choice, the American Express Platinum card provides frequent travelers with a lot more value. Heres an overview of what each card has to offer so you can determine which of these popular American Express cards is a match for you. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment may be required for select American Express benefits and offers. WebEarn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. While welcome bonuses vary, these initial bonus offerings can be a key factor in selecting a rewards credit card. Both cards offer identical extended warranty protection that offers up to an additional 2 years, in addition to the manufacturers warranty, for eligible purchased items. For example, its benefits include airport lounge access, while the Amex Gold Cards perks do not. The annual fee for the fourth or more cards is $175 per card (see rates and fees). Enrollment required. 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 cards. 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 own both cards, use the Amex Platinum to pay for flights and prepaid hotels and the Amex Gold to pay for your supermarket and dining purchases to earn the most points possible on every dollar you spend. Assistance when things go wrong while traveling is available 24/7. Platinum Elite (minus $280 of milestone rewards): $965 / 48 nights = $20.10 per night. 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. Compare American Express Gold Card and The Platinum Card from American Express. Not as useful for those living outside the U.S. No-fee basic Gold cards for authorized users (not the same as the Amex Gold card) ( rates and fees) $250 annual fee. Our points-obsessed staff uses a plethora of credit cards on a daily basis. In this article, we will compare the two cards looking at their perks and points earning and redemption options and comparing which card might be right for you. 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. Terms apply to all benefits for the Credit Cards listed below and all offers listed are subject to change. Since its a one-time perk (versus the annual fee, which shows up every year), though, Im leaving it out. The Platinum Card. If youll use the premium travel benefits that come with the Amex Platinum card, it is worth it. For Amex Gold cardholders, secondary Gold Cards are free. You can also get exclusive access to ticket pre-sales for entertainment and enjoy other unique experiences. These are provided as guidelines only and approval is not guaranteed. If you spend a lot on groceries, dine out frequently, but still travel throughout the year, the Amex Gold card could work well for you. 8For more on Rates and Fees for Amex EveryDay Preferred, clickhere. Please keep in mind that the primary cardholder is responsible for charges made by authorized users. Best Offer Ever. Enrollment is required in the Amex Offers section of your account before redeeming. 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. 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. Plus Ups are excluded. Josh Patoka writes about maximizing travel rewards for The Vacationer. Must add Gold Card to the Uber app in order to receive the Uber Cash benefit. Card Members are responsible for the costs charged by third-party service providers. The Amex Gold card is not quite as premium and it lacks some of those high-end travel perks. Since both cards are part of the Amex Membership Rewards program, it's easy to compare the welcome bonuses directly. The Vacationer Travel Credit Cards Credit Card Reviews, Terms apply to American Express benefits and offers. 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. Eligibility and benefit level varies by card. See our Advertiser Disclosurefor more details. Visit americanexpress.com/benefitsguide for more details. This is a no annual fee10 cash back Card that aims to help you earn rewards for everyday essentials. terms, conditions and limitations apply. Your spending earns Membership Rewards points that can be redeemed in a variety of ways, such as travel, gift Cards, and statement credits. Uber Cash and Uber VIP status is available to Basic Card Member only. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Learn more about 0% balance transfer credit cards. terms, conditions and limitations apply. The credits apply automatically to any qualifying purchase. The Vacationer does not review or include all possible offers, credit cards or credit card companies. 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. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. The American Express Gold Card benefit selection may pale in comparison to the Amex Platinum. TPG Exclusive Offer. 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. 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