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Amex Gold vs Amex Platinum

Head to head on annual fee, rewards by category, and net value over a typical year of spending.

Head to head
CategoryAmex GoldAmex Platinum
  • Annual fee$325$895
  • Welcome bonus (est.)$2,000$3,500
  • Dining8%2%
  • Groceries8%2%
  • Gas2%2%
  • Travel2%2%
  • Online shopping2%2%
  • Entertainment2%2%
  • Transit2%2%
  • Everything else2%2%
Net annual value$834-$384

The verdict

On a typical US spending profile the Amex Gold comes out ahead — about $1,218 more in net annual value. But the winner for you depends on where you actually spend.

Before fees, Amex Gold projects about $1,159 in rewards and Amex Platinum about $511. Put your own monthly numbers in and the order can change.

FAQ's

  • On a typical US spending profile, Amex Gold delivers about $1,218 more in net annual value. Your winner depends on where you actually spend.

  • Amex Gold: $325/year. Amex Platinum: $895/year.

  • Flo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.