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Amex Gold Vs Platinum: Which Card Is Better?

Posted 13th September, 2023
3 min read
Jessica Pinker Jessica Pinker
Amex gold vs. platinum: A blue background covered in the American Express logo

Make life more rewarding with an American Express card! If you’ve worked hard to build up an excellent credit score and are in a comfortable financial position to invest in a luxury card, then an Amex precious metal card is the perfect option. The only issue is which card you should get. Between the Amex Gold card and Amex Platinum card, each of these luxury cards comes with their own set of benefits and fees. In this Amex Gold vs Platinum blog, LDV gives you insight into which card is better for you.

In this guide, we will tell you

  • Why the Amex Gold card is the perfect match for frequent shoppers
  • Why the Amex Platinum card is perfect for travellers

Amex Gold Card

Amex gold card: A person holding a phone and credit card whilst sitting down

Accredited by Investopedia for being the credit card "geared toward people who like to shop, eat out, and have lot of everyday spending", the Amex Gold card comes a great deal of benefits from making purchases. These Amex Gold card benefits include:

  • 1 Membership Reward point for every £1 spent plus 12 500 bonus points per year
  • 20 000 Membership Reward points if you spend £3000 in the first 3 months
  • 3 Membership Reward points for every £1 spent on American Express Travel
  • 2 Membership Reward points for every £1 spent directly at airlines
  • 9000 points for inviting friends
  • 4 Priority Pass airport lounge visits
  • Exclusive experiences
  • £5 back on Deliveroo purchases
  • Complementary supplementary card
The Amex Gold card has an annual fee of £160 (free for the first year) and an APR of 75.2%. No interest is charged for 56 days if payment is made on time each month, otherwise, interest will be charged each day until full payment is made.

Amex Platinum Card

Amex platinum card: A man sitting at a desk with a laptop, phone and credit card

According to an article by Forbes, the Amex Platinum card "is meant for the frequent traveller who wants an elevated experience." With the extensive list of travel benefits the card comes with, it's easy to see that the Amex Platinum card was designed to heighten travel. These Amex Platinum benefits include:

  • 1 Membership Reward point for every £1 spent
  • 30 000 Membership Reward points if you spend £4000 in the first 3 months
  • 2 Membership Reward points for every £1 spent on American Express Travel
  • 12 000 points for inviting friends
  • Complimentary airport lounge access
  • £300 dining credits per year
  • £100 Harvey Nicholas credits per year plus £50 back every 6 months
  • Worldwide travel insurance
  • Hotel benefits
Holders of the Amex Platinum card are charged an annual limit of £575 and an APR of 470.7%. No interest is charged for 56 days if payment is made on time each month, otherwise, interest will be charged each day until full payment is made.

Find The Best Amex Card For You With LDV

While the Amex Gold card is perfect for frequent shoppers and the Amex Platinum card is great for travellers looking to get the most out of their trip, whether one is better than the other is purely up to you and your lifestyle. Whichever you pick, with our Amex Gold vs. Platinum blog you're guaranteed to make the right decision. If you're looking for more finance tips & tricks, feel free to check out our Money-Saving Challenge blog.