Amex Gold vs Amex Platinum
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Amex Gold | Amex Platinum |
|---|---|---|
| Annual fee | $250 | $695 |
| Welcome bonus (est.) | $600 | $800 |
| Dining | 4% | 1% |
| Groceries | 4% | 1% |
| Gas | 1% | 1% |
| Travel | 3% | 5% |
| Online shopping | 1% | 1% |
| Entertainment | 1% | 1% |
| Transit | 1% | 1% |
| Everything else | 1% | 1% |
| Net rewards / yr | $402 | -$295 |
The verdict: Amex Gold vs Amex Platinum
On a typical US spending profile, the Amex Gold comes out ahead — about $697 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Amex Gold: ~$652 in rewards before fees. Amex Platinum: ~$400 before fees.
Reviews & calculators
Amex Gold review · Amex Platinum review · Amex Gold calculator · Amex Platinum calculator · Interactive compare
Frequently asked questions
- Is Amex Gold or Amex Platinum better?
- On a typical US spending profile, Amex Gold delivers about $697 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Amex Gold vs Amex Platinum?
- Amex Gold: $250/year. Amex Platinum: $695/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.