Amex Platinum Card vs Amex Gold Card (Full Comparison 2021)

In this video, we compare the Amex Platinum Card vs the Amex Gold Card as we take a look at 2 of the best American Express credit cards available today. The Amex Platinum card and the Amex Gold card are both premium credit cards with steep annual fees, so here we want to go over the Amex Platinum benefits, the Amex Gold benefits, and what you need to consider before applying for either card in 2021. This video also serves as a brief Amex Platinum review and Amex Gold review as we talk about what each card offers and which one is right for most people out there.

Both of these American Express credit cards are actually charge cards, and they also both earn Membership Rewards Points in a few ways. Overall, the American Express Gold card is a good everyday spending type of card because of its focus on food-related categories with its credits and the ways that it earns MR points; while the American Express Platinum card is a good travel card because of its focus on travel-related points categories and benefits.

I think that both the Amex Platinum and Amex Gold can be good cards to have for the right person. I personally like having both credit cards because I can get enough value from the annual credits to effectively offset the combined $945 in annual fees. But for most people, if you travel a lot - then go with the Platinum card, and if you eat a lot - then go with the Gold card.

Just make sure that you do your own research to decide if either the Amex Platinum or the Amex Gold are worth it for you!

*These offers are subject to change. The current offers are listed as of the filming of this video.

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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.

[williamcordero]

I have the Gold and I absolutely love it. This card is meant for ME! The plat is cool but I just don’t travel or fly enough to justify it.

[MikeMaye]

I have both and they are great cards. The credits can be somewhat of a struggle to use on the Platinum, but luckily I am able to use $740 easily in credits and I do travel enough to make the card very useful to me. My Gold card is my favorite and If I could only keep one card out of all the cards I have it would definitely be my Amex Gold... Thanks Daniel 🙌🏽

[popap]

Now this is my kind of vid! I have both cards, and I definitely see the value in having the Gold. 4x on restaurants and groceries is no joke, and transferring them to Delta at a 1:1 ratio is a sweet deal--better than any multiplier on Delta's own credit cards! The Platinum card is sort of a mix for me. A lot of credits, yes, but as a Delta Diamond I already get Clear for free, and with the Hilton Aspire I get diamond status. Still, it can be a very valuable card for anyone who can maximize the credits! Great vid as always, Daniel!

[JacobKustra]

Both amazing cards for sure! Gosh though, if I only had to choose one, it would definitely be the Amex Gold Card. Much easier to deal with the annual fee, and in my opinion the best point earning card out there. Although together, they are an amazing combo! Great work Daniel!

[IMALEGEND_]

I have the amex platinum card. My goal is to get the black card by the end of 2022 for the phenomenal benefits.

[kbrito]

I have them both and it’s so nice the versatility they offer by having them both. But if i had to pick I’d take the Gold as well

[spearce]

Good information. I have had a Platinum for about 7 years now and debating dropping to Gold because of the fee different (and I don't travel as much anymore).

[CashMoneyReckadz]

I loved my Gold but I utilized a targeted upgrade offer to go Plat which I love as well. The Gold made sense when I had it during the beginning of COVID, not traveling and eating a lot of take out and plenty of grocery shopping but right now, I go out to eat a lot less and I save more money food shopping at Walmart than the 4 points/$ at traditional grocery stores is worth. I can utilize most credits other than the Hotel & Equinox credit and I crush the airport lounge game, HARD! Lol

[dystopia]

Amex change that crappy $300 Equinox credit that probably 95% of us cant even use for $300 credit or even just $200 for gas and then we will be talking!

[Sicksporty]

Just got my platinum with 125k welcome points!
Can’t wait to use all the benefits I get!

[cristineb]

Thank you Daniel. This helps me understand how you guys look at it better. Thank you!!

[PointsInbound]

I really like the audible credit on the platinum but I think it could be temporary, I could be wrong. And like you said the fhr credit isn't as great since all those hotels can be pretty pricey. I agree the gold card is better for most people.

[henryallen]

I have both and I love the both of them but the average person will love love the gold for every day use.

[andrewwhite]

Daniel, I just found out that Amex actually increases the rates for the Fine Hotels & Resorts for Platinum members in return for the $100 credit and other benefits. In one case I realized my stay was going to be $490 greater as a Platinum member than it would be booking as a regular Gold member for example. The math completely does not add-up and they advertise these benefits as being complimentary to Platinum members. This basically cancels out the value of this benefit...I wonder how many people don't realize they are being ripped off.

[sjg]

AMEX Gold is a legacy card. It's good for every wallet given how versatile it is, although it is the old "coupon" credit card. The Platinum is really a case by case base.

[nikpassmark]

I have both and its a great combo to have. Plus the cards share points...

[JoseRojasYT]

I really like both cards, if I were to pick one I would definitely go with the AMEX gold card it is one of my favorites indeed.

[TheSuperSupreme]

I think I made a mistake. I was approved for the Platinum Card but I’m a foodie and would rather have the Gold Card. 😩 As for my travel plans, I only travel once a year for my birthday.

[traydadiiethegreat]

I have the Amex Gold and I love it… I thought of getting the platinum, but I dislike the $695 fee it use to be only $500.

[WealthxWorld]

i just got my amex gold card in the mail i’m super excited to use it!