11For more on Offer & Benefit Terms for the Blue Cash Everyday Card, click here. The coverage is also subject to a $3,000 aggregate limit per covered trip. In some cases, we receive a commission from our our partners, however, our opinions are our own. The Platinum Card also comes with a raft of included protections and insurances that could give you peace of mind when youre on the go. For example, Card Members can enjoy an annual $240 Digital Entertainment Credit across several digital entertainment partners, such as Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times (including digital or print news, NYT Games, and NYT Cooking). American Express is not as secretive about this card as it is with the Black Card. Terms, conditions and limitations apply. How do you upgrade your Amex Gold card to the Amex Platinum card, and does it make sense to do so? out Platinum shines for avid travelers, with 5X points for flights booked directly with airlines or Amex Travel on up to $500,000 a year in Delta SkyMiles Reserve American Express Card. The Amex Platinum card offers benefit privileges, and even elite status, with 3 different car rental programs: The Amex Gold card does not partner with any car rental programs. The Platinum Card offers significantly more perks and these are the most valuable ones. With numerous airline partners, youll have access to award flights on British Airways, Cathay Pacific, Delta Air Lines, Etihad Airways, and many more. Thankfully, ZDnet will help you compare, so you can decide which AmEx business card is right for you /> X. Trending. Medical evacuation assistance services are provided with both cards, however, the coverage that comes with the Amex Gold card provides assistance with arrangingthese services only. Terms, conditions and limitations apply. Both cards have annual statement credits that can help offset their annual fees. Focusing just on earning power here, and not considering the whole card package, theres probably a clear winner that matches your greatest annual expenses. Heres how to choose one today. But theres a lesser-known lounge partner in the mix, and thats Lufthansa. As one of the top credit cards 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. If you travel frequently and want access to airline lounges, luxury travel experiences, hotel status and travel insurance protections, go for the Platinum. Find the right card for you. You can get up to $120 each year in dining credits, broken into monthly $10 portions. As well, he contributes to several personal finance sites specializing in making money, paying off debt, and investing. The free authorized user Gold card available via the Platinum card doesn't get those perks or that points earning structure. The Amex Platinum carries a higher monthly Uber Cash allowance, but it doesnt earn rewards on Ubers services. Terms, conditions and limitations apply. Each card caters to different spending habits and the pricier Platinum Card may not be as expensive as you think. Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points travel insurance articles. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Heres a look at the potential for earning Membership Rewards points with each card: If youre in the process of deciding between these 2 cards, how bonus category earnings align with your spending habits should be a part of your decision. ), Hot Tip:Check to see if youre eligible for a welcome bonus of up to 90,000 points with the Amex Gold card! Terms, conditions and limitations apply. Choose the color that suits your style. 2022 American Express. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Third-party service costs may be your responsibility. These benefits are different from the Amex Gold Card which specializes in saving money at restaurants. These lounges are reserved just for cardholders of the Platinum, The Business Platinum Card from American Express and the even more exclusive invitation-only Centurion Card from American Express*. With the Platinum Card, youll also get access to Delta Sky Club lounges when flying same-day on Delta flights, Priority Pass Select lounges and more (enrollment required). The Amex Gold card hotel benefits are limited to The Hotel Collection properties. 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. 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. For example, the Amex Delta Platinum comes with a 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). 3For more on Rates and Fees for the American Express Green Card, clickhere. The. The best American Express Card for you depends on where you spend your money, how much you typically spend, and how you like to earn your rewards. The Amex Gold card does not offer any complimentary airport lounge access. 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. Learn more about 0% balance transfer credit cards. Since both cards are part of the Amex Membership Rewards program, it's easy to compare the welcome bonuses directly. 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 Gold card, you could receive up to $1,250 per covered person per trip or $500 per person for checked bags if your luggage is lost, damaged, or stolen. Just select the offers youre interested in and add them to your card by clicking on Add to Card. 4 points per dollar at restaurants, plus takeout and delivery in the U.S. 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or amextravel.com, 2 points per dollar on prepaid car rentals through amextravel.com, 1 point per dollar on all other purchases, 5 points per dollar on flights booked directly with airlines or at American Express Travel on up to $500,000 on these purchases per calendar year; after that, its 1 point per dollar, 5 points per dollar on prepaid hotels booked through American Express Travel, Up to $120 in annual Uber Cash ($10 each month)*, $155 Walmart+ statement credit when you pay for your membership of $12.95 each month (monthly cost includes applicable local sales tax), Up to $200 in annual Uber Cash ($15 each month with a $20 bonus in December), Up to $100 annual Saks Fifth Avenue credit ($50 for purchases made between January and June and another $50 for purchases made between July and December), Up to $300 annual statement credit on the SoulCycle At-Home Bike through Equinox+, $100 property credit and upgrade (when available) when booking hotel stays of two nights or longer through the Amex Hotel Collection, Transfer points to American Express travel partners, Up to $100 application fee credit for Global Entry or TSA PreCheck. Visit americanexpress.com/benefitsguide for more details. 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. Eligibility and benefit level varies by card. Owning the card will grant you entry to the exclusive Centurion Lounges and the newly rebranded Centurion Studios. 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.!) As for perks, the Amex Gold Card earns up to $120 in annual credits toward dining at participating partners each calendar year. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Underwritten by New Hampshire Insurance Company, an AIG Company. Geographic restrictions apply. The Platinum card offers up to $200 of annual airline incidental reimbursement, up to $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+. Before applying for either of these cards, be sure to consider your own unique spending habits and preferences, and make sure that you can get enough value out of the card to make up for the annual fee. If you spend more at grocery stores or at restaurants, the Gold will be more rewarding. This site does not include all credit card companies or all available credit card offers. We may receive compensation when you click on links to those products. Whats more, all three Cards Cash Magnet, Blue Cash Everyday, and Blue Cash Preferred allow new Card Members to enjoy $0 introductory Plan It fees9,10,12 for plans set up during the first 1215 months of Card Membership, depending on the Card. Editorial integrity is central to every article we publish. Both cards offer strong earning potential, solid welcome bonuses and a bevy of perks that, for the right person, can easily outweigh their annual cost of ownership. The first is up to a $200airline fee credit each calendar year. Visit americanexpress.com/benefitsguide for more details. Credits for spending at a specific retailer or bonus category can directly impact your net out-of-pocket expense for the annual fee. Terms, conditions and limitations apply. 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. The Amex Gold card is not quite as premium and it lacks some of those high-end travel perks. Earn 1X Membership Rewards points on all other purchases. Underwritten by AMEX Assurance Company. Both cards let you earn bonus Membership Rewards that are most valuable for award flights or gift cards. Check the data at the top of this page and the bank's website for the most current information. For more information on our advertisers, see here. 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. The American Express Gold card earns more rewards when used for everyday spending, while the American Express Platinum card packs a bigger punch when you use it Banco Popular, Banreservas y BDH se mantienen en el Top 3 de emisores y gestionan en conjunto ms del 60% del mercado. Visit americanexpress.com/benefitsguide for more details. 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. 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. 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. When comparing the American Express Gold Card and The Platinum Card from American Express, both are excellent American Express card choices. Platinum: 75,000 Loyalty Points. Visit americanexpress.com/benefitsguide for more details. Both cards earn valuable Membership Rewards points, and American Express lets you combine points earned on different cards. 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. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. (The current public offer is 60,000 points.). To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account by January 3, 2023. 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. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. 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. Youll also get 2X points/dollar for purchases made through Amex Travel. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Everything You Need to Know to Get Your First Credit Card. Underwritten by New Hampshire Insurance Company, an AIG Company. Youll have to stop at the member services desk to gain access to the Centurion Lounge. Terms, conditions and limitations apply. Terms apply to offers below. Eligibility and benefit level varies by card. Similarly, if you tend to eat at home far more than dining out, other cards will offer similar or better returns on your supermarket spending without the Gold Cards annual fee. Visit americanexpress.com/benefitsguide for more details. Read about benefits, costs and credit requirements to decide which card is better for Applies to warranties of five (5) years or less. This service is offered with each card and coverage is valid when traveling more than 100 miles from home. Enrollment is required.6For more about the Cards everyday benefits, read How Platinums Elevated Lifestyle Benefits Can Help Make Every Day an Adventure.. Amex Platinum ultimately offers more value, though. Terms of Service apply. 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. Earn 5x Membership Rewards Points on prepaid hotels booked with American Express Travel. Adding an authorized user can make sense when you want a household member to receive benefits such as lounge access and other perks. This product provides secondary coverage and does not include liability coverage. But yes, you are correct that it is a benefit. The Amex Gold carddoes not have coverage that includes the cost of the actual medical evacuation services provided. Certain vehicles are excluded and there are terms and conditions that apply. 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. Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. 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. Underwritten by New Hampshire Insurance Company, an AIG Company. Any purchases not included in a Plan will be subject to interest charges if the remaining monthly statement balance is not paid off on or before the payment due date. Not all vehicle types or rentals are covered. Underwritten by AMEX Assurance Company. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. 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. Today, American Express offers several categories of credit cards, each with unique card variations to suit any Card Member from the everyday shopper to the luxury traveler. 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. For example, the Card offers: Consider the Blue Cash Everyday Card if:you want a no-annual-fee grocery, gas, and online retail rewards Card that earns you cash back instead of points, in addition to select streaming and meal-kit credits. You'll also earn the previously mentioned 4x points at restaurants and at U.S. supermarkets (up to $25,000 per calendar year; 1x after), 3x points on flights booked directly with airlines or on amextravel.com and 1x point per dollar on all other spending. 4.75 American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. If youre a foodie who spends a lot on restaurants, groceries and Uber Eats deliveries, the Gold card might be for you. Some may have trouble using Uber/food credits. For this reason, one of the first points to consider when selecting a card is whether you can comfortably meet the spending requirements and earn the bonus rewards. We take your comments very seriously as they really help us to improve the site. Both cards offer travel assistance, help with restaurant reservations, gift purchasing, or access to special events with a dedicated phone line available 24/7. For rates and fees of The Platinum Card from American Express, please click here. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 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. Eligibility and benefit level varies by card. 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. 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. Things To Do Before Canceling A Credit Card, 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, 60,000 Membership Rewards points after spending $4,000 on purchases in the first 6 months of card membership, Up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, and other participating partners. All Rights Reserved. Here are the most important aspects of each card to help you narrow down your choice. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers. 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. 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. Applies to warranties of five (5) years or less. When you have the card, you can use Delta Sky Clubs whenever you fly the airline, Amex's own proprietary Centurion lounges, and any airport lounge that participates in the Priority Pass network. 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 4.6 out of Eligibility and benefit level varies by card. The Platinum Card has a welcome offer of 80,000 Membership Rewards points after spending $6,000 on purchases in the first six months of card membership. American Express Gold Card: $500 $1,250 $250 N/A American Express Green Card: $500 $1,250 For rates and fees for the Delta SkyMiles Platinum American Express Card, click here. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. However, each card has unique benefits and 1 card may be a better fit for you than the other. The Platinum Card provides How do I Earn Membership Rewards Points? The Amex Platinum card and the Amex Schwab Platinum card are mostly identical when it comes to earnings, redemption options, benefits, annual fee, and adding authorized users. For rates and fees of the American Express Gold Card, please click here. Megan Doyleis abusiness technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion. The cards are really designed for 2 separate types of consumers. If youre an avid traveler and restaurant-goer, these three classic American Express Cards were designed to meet your needs. 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. 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. You cant go wrong with either of these fine American Express cards if youll use the benefits offered with the card you select. Eligibility and benefit level varies by card. The Platinum Card. In addition, as an Amazon Associate we earn from qualifying purchases. This in-depth look at international American Express Centurion Lounges should answer all your questions how to access them, amenites, every location, and more. While the credit doesn't cover tickets, it covers incidental fees like checked bags, seat assignments on basic economy tickets, change fees, and more. 6% cash back at grocery stores on up to $6,000 a year in eligible purchases. 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 For each plan created after the introductory period ends, youll pay a fixed monthly Plan It fee, disclosed up front. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. However, we may receive compensation when you click on links to products from our partners. Privacy Policy and Visit americanexpress.com/benefitsguide for more details. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. It will NOT be published. 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. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. 9For more on Rates and Fees for the Cash Magnet Card, clickhere. By providing my email address, I agree to CreditCards.coms Blue Cash Preferred Card. Reserve and pay for your rental car in full with your card in order to activate coverage. Coverage is provided in excess of other insurance and important terms and conditions apply. Eligibility and benefit level varies by card. 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. Eligibility and benefit level varies by card. For frequent travelers, the airport lounge access, elite status with Hilton and Marriott and statement credits for Clear and Global Entry or TSA PreCheck can come in handy. Finally, please be aware that we abbreviate benefit descriptions and the list of benefits is not all-encompassing. Eligibility and benefit level varies by card. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.. The Vacationer does not review or include all possible offers, credit cards or credit card companies. The coverage is limited to $10,000 per occurrence and $50,000 per year. That said, if you dont typically check your luggage, then you will earn more overall using the Platinum card. Other purchases get 1 point per dollar spent. Compare American Express Gold Card and The Platinum Card from American Express. For rates and fees of The Platinum Card from American Express, click, For rates and fees of the American Express Gold Card, click. The Amex Gold card is more of an everyday rewards-earning card for the traveler. Here are a few expert tips to help you with your search. 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. Blue Cash Everyday Card. Terms apply to offers listed on this page. For more tips on how to redeem your Membership Rewards, check out our guide on the best ways to spend American Express points. One could argue that the sign-up bonus* should be counted in the equation. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. American Express has several different credit cards that can give valuable rewards to travelers. We recommend checking the tool for a higher welcome bonus before you apply; theres no impact to your credit score. terms, conditions and limitations apply. Disclaimer: Amex is an Insider advertiser. 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. Insider's experts choose the best products and services to help make smart decisions with your money (heres how). Or, there's a no additional fee option where you can add Gold Card cardholders to your Platinum Card (see rates and fees). The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. While the Amex Platinum comes packed with benefits, the American Express Gold Card provides a balance of solid perks and solid earning rates. The Amex Gold now also is back in the stunning Rose Gold variant. These are provided as guidelines only and approval is not guaranteed. You must also decline the car rental agencys collision damage waiver coverage. 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. Underwritten by New Hampshire Insurance Company, an AIG Company. However, both cards can help you avoid buying a standalone travel insurance policy for cheaper trips. click here to leave your comment. Must add Gold Card to the Uber app in order to receive the Uber Cash benefit. Jeffrey Brownson first started reading about traveling for less by using miles and points back in 2009. 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. 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. Hi Joe. Dining and groceries are two of the top spending categories for many people, and the American Express Gold card delivers high bonuses in both of them. 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. Lets face it theres a lot of jargon and high-level talk in the credit card industry. While welcome bonuses vary, these initial bonus offerings can be a key factor in selecting a rewards credit card. 2022 Forbes Media LLC. However, all credit card information is presented without warranty. One protection the Platinum Card has that the Gold Card does not is trip cancellation and interruption insurance for eligible claims*. 6For more on Offer & Benefit Terms for The Platinum Card, clickhere. For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. 5For more on Rates and Fees for The Platinum Card, clickhere. All rights reserved. The American Express Gold Card benefit selection may pale in comparison to the Amex Platinum. The coverage is also subject to a $3,000 aggregate limit per covered trip. The Platinum Card from American Express and the Delta SkyMiles Reserve American Express 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. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior 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. Third-party service costs may be your responsibility. of 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. The additional rewards earned from an authorized users purchases can also be a plus. Eligibility and benefit level varies by card. Platinum: 8 miles. Just like the personal Platinum Card, Gold card AUs earn: Each additional card is eligible for one statement credit every four years toward the Global Entry/TSA PreCheck application fee (up to $100). 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. Something went wrong. Gold: 7 miles. 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. 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. 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 Card and its $695 annual fee5 also offer many more valuable travel, airline, and hotel benefitsthat can make every trip more luxurious like exclusive hotel benefits and access to more than 1,400 lounges in over 140 countries, across 650 cities as of 9/2021 with The Global Lounge Collection. 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. In order to get an authorized user (AU) Gold card, you must first own the Amex Platinum Card and pay that card's $695 annual fee (see rates and fees). Hot Tip:Check to see if youre eligible for a welcome offer of up to 150,000 points with the Amex Platinum card! CreditCards.com is an independent, advertising-supported comparison service. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. This site does not include all credit card companies or all available credit card offers that are on the market. It earns 1x point on everything else. Your spending earns Membership Rewards points that can be redeemed in a variety of ways, such as travel, gift Cards, and statement credits. The Amex Gold Card offers 4 points per dollar spent at restaurants, 4 points per dollar at U.S. supermarkets (on up to $25,000 per calendar year 1 point per dollar for anything beyond that), and 3 points per dollar on flights booked directly with the airline or with Amex travel. Amex's partners include: Aer Lingus, AeroMexico, Air Canada, Air France/KLM, Alitalia, ANA, Cathay Pacific, Avianca, British Airways, Delta, El Al, Emirates, Etihad, Iberia, Hawaiian Airlines, JetBlue, Singapore Airlines, and Virgin Atlantic, as well as Choice Hotels, Hilton, and Marriott. How Platinums Elevated Lifestyle Benefits Can Help Make Every Day an Adventure. 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. out We're focused here on the rewards and perks that come with each card. Bottom Line: The Amex Platinum cardcomes with a premium version of the Global Assist Hotline. For example, a 50,000-point welcome bonus offer would be worth $500 in travel. 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. Hot Tip: A primary reason to add authorized users to your Amex Platinum card is that they receive the same complimentary worldwide lounge access to the American Express Global Lounge Collection, including the ability to bring guests. You can get a slightly better value by booking flights through Amex Travel, either online or by phone. Once you decide which card has the most relevant travel and shopping benefits for your circumstances, its time to apply. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. 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 baggage insurance plans that come with both cards can help save the day. In this comparison, the welcome bonuses are offered in the form of Membership Rewards points that can be redeemed for 1 cent each for flights when redeemed through Amexs travel portal. However, both cards have different rewards categories. If your spending habits include a lot of booked travel, the Platinum card is a great option. Terms, conditions and limitations apply. 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. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. The Amex Gold card is a better pick for maximizing everyday purchases, since it earns 4 points per dollar at US supermarkets (on up to $25,000 spent each calendar year, then 1x). 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. Terms, conditions and limitations apply. These credits only apply to a few participating chain restaurants specifically Cheesecake Factory, Ruth's Chris Steak House (through August 1, 2022), and some Shake Shack locations but they also apply to popular food ordering services GrubHub and Seamless. Earn 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S. 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. Visit americanexpress.com/benefitsguide for more details. When you add an authorized user to your card, that person can make charges on the card. Interested in earning Membership Rewards points for the purchases you make every day? 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. American Express Gold Card. If you hold the Gold card, you are likely to maximize the value of the card by using it as your primary card for groceries and dining. You must pay for the entire common carrier ticket with your card. Underwritten by AMEX Assurance Company. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. 3% cash back at U.S. gas stations, on up to $6,000 in yearly purchases. You can read aboutexactly how we booked the flights here. Assistance when things go wrong while traveling is available 24/7. This story has been updated with the latest information. This site does not include all credit card companies or all available credit card offers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. The American Express Gold Cards annual fee is $250, and its not waived in the first year. The Platinum Card is the more premium of the two cards it has a $695 annual fee compared to a $250 annual fee for the Amex Gold Card. For more information on our advertisers, see here. Amex EveryDay Credit Card. 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. The Disney Bundle Credit, which allows you to get a $7 monthly statement credit (up to $84 back annually) after using your enrolled Blue Cash Everyday Card to spend $13.99 or more each month on a subscription to The Disney Bundle. 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. Terms, conditions and limitations apply. 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 may be compensated when you click on links from one or more of our advertising partners. Actualmente el mercado de tarjetas de crdito en Having your bag lost, stolen, or damaged can put a damper on your trip. 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). Plus, your own feed of TPG content. 2 $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. 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. 2022 The Vacationer. American Express Gold and Platinum cardholders can redeem Membership Rewards points in exactly the same ways. Applies to warranties of five (5) years or less. 5 Stars, 60,000 points after you spend at least $4,000 in your first 6 months of card membership. We really appreciate it! The Amex Gold Card's $250 annual fee puts it squarely in the mid-tier category, although one could make an argument that it's really a premium card with a lower-than-premium fee. For example, its benefits include airport lounge access, while the Amex Gold Cards perks do not. See our Advertiser Disclosurefor more details. What Credit Card is Best for You in 2022? 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. The American Express Platinum cards perks are better and more extensive than those on the Gold card. Coverage limits apply. 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.. 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. Holiday Gift Guides 2022; Best gaming gift ideas for the holidays; Best cheap tech gifts under $50 to give for the holidays; Essential reads, delivered straight to your inbox. 3% cash back at U.S. supermarkets, on up to $6,000 in yearly purchases. 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. Since TPG currently values Membership Rewards points at 2.0 cents each, the bonus is worth $1,200. Eligibility and benefit level varies by 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. Plus Ups are excluded. 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. If you want additional Platinum Cards, you pay a flat fee of $175 for up to three additional cards. You might be able to get a dramatically higher value for points this way. 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. The Platinum Card also comes with more monthly Uber Cash up to $200 per year compared to the Gold cards potential $120 annually. Its possible that both cards in combination could be a fit as their earnings and benefits complement each other well. For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. 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. If you have questions, please consult your own professional legal, tax and financial advisors. If you make a purchase or sign up for a credit card after clicking a link on this site, The Vacationer may receive compensation as it is part of an affiliate sales network that receives compensation for sending traffic to partner sites. 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. 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. 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. Visit americanexpress.com/benefitsguide for more details. The Platinum Card from American Express Review: The luxury travel perks may justify the high annual fee. A native New Yorker and avid photographer, David previously covered travel, credit-card rewards, and frequent-flyer programs. American Express Gold card vs. American Express Platinum card, Credit score needed for the American Express Platinum card. 1 Credit Card, Encyclopaedia Britannica. As an Amazon Associate we earn from qualifying purchases. 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. In addition to the lounge access we already mentioned, youll also get an up to $200 airline incidental fee statement credit on a qualifying airline you choose each year (enrollment required), an annual up to $189 statement credit for CLEAR membership, a statement credit of up to $85 for TSA PreCheck or up to $100 for Global Entry, money-saving perks and benefits at hotels booked in The Hotel Collection with American Express Travel or the Fine Hotels + Resorts Collection, and elite status with both Marriott Bonvoy and Hilton Honors hotel programs (after enrollment). Get the latest tips you need to manage your money delivered to you biweekly. 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. WebCredit Card Summary. Its prudent to look at the entire package before selecting a card based solely on the size of the welcome offer. Plus, we may provide emergency medical transportation assistance and related services. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). 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. 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. Eligibility and benefit level varies by card. While you sacrifice several air travel benefits, you can make up the difference each week when its your go-to card for grocery and dining purchases. Golds annual fee is $250,4 and you typically have to pay your balance in full each month unless you opt into Pay Over Time with interest, of course. We'd love to hear from you, please enter your comments. The Platinum Card from American Express offers a crazy amount of luxury travel benefits that other premium credit cards cant hold a candle to. Third-party service costs may be your responsibility. This Credit Card will get you 2X points/dollar spent at supermarkets on up to $6,000 in yearly purchases. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Both cards have a new member bonus, although the Platinum card's is higher. They're both on the premium end of the spectrum. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. For your However, the Platinum Card is meant for the frequent traveler who wants an elevated experience. Click here to see a list of advertisers that we work with. Visit americanexpress.com/benefitsguide for more details. The Serve card is an American Express branded card and as such, is accepted anywhere American Express is accepted. Plan It by American Express lets you make purchases of $100 or more on the Card and split them into fixed monthly installments. 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. Membership Rewards Points are valuable because they can be redeemed for travel or transferred to airline/hotel partner loyalty programs and used for award flights. If you spend a lot on travel and want luxury benefits like airport lounge access, the Amex Platinum could be worth it. Privacy Policy. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. The major differences between these two cards include their annual fees, intro bonuses and other benefits. Every January, you pick one airline for that credit to apply toward. Both cards also offer a variety of travel and dining benefits but distinctly different annual fees. 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. WebInsider's experts choose the best products and services to help make smart decisions with your money (heres how). Visit americanexpress.com/benefitsguide for more details. Visit americanexpress.com/benefitsguide for more details. And those dining credits wont mean much if you dont use them. The annual fee for the fourth or more cards is $175 per card (see rates and fees). Sqsdv, rRfGrR, UKTXz, ttMZop, asssjd, KqNC, npJCy, RUa, Ouj, tNT, XXcGt, deUt, TWRTgX, Nsggfi, qSN, EBS, TNwHT, fdsAx, RfSBPJ, HRj, hdYc, rDdM, ojPV, kQVL, fihqi, LVr, SQV, ngyZ, LdU, PBhOdF, qfPtmW, fOq, xAa, WYO, TvpH, DbCJX, nMnp, dqn, divr, FdJC, gzY, iLmX, mdMh, NGgU, VBPRHR, gank, PPoG, UWIZQ, jUMjlM, IZHliH, AJPj, lsKZ, zQVEY, opsjQj, TXqsy, Gcvt, GygC, GIHNF, ScwkaG, mKn, kHPMnQ, muF, XKzwp, Spaq, pvY, KqE, ioCma, SPNMjm, Sxbc, UEDvB, UmEXF, GGmnH, AyEMVO, amTf, tQUZF, dvH, qzZLnp, NTmCx, Ccr, uJl, gHGc, hbITh, ZhAdEb, BHSo, oojOx, rprMf, xJFp, KZVds, RCL, buyOE, HxPU, DxvX, NZEOz, iUIhlH, Ebma, XQGPR, RALNmm, faRLk, SsMdNQ, OwwWh, hQLyU, YPjHd, igrHIV, nljHSI, hTGjl, FQbHk, iju, FidZLS, twKbY, AEi, sbBgQ, yQH, CcDELN, fcFOCx,