We know what you are thinking: Why pay strong annual rates on two cards that earn the same type of points? Well, for us (and many others), it is worth it.
In fact, the combined price of $ 1,000 more American Express Platinum Card® and American Express® Gold Card may be confronting. However, the rates and advantages of these cards differ significantly.
If you want to accelerate your profits, maximize the benefits of the card and protect your purchases, it may make sense to contain platinum and gold cards. Here are four reasons why.
Welcome two welcome bonds
During the first year a card has, the welcome bonus is one of the most valuable benefits, if not the most valuable.
Between these two cards, it can win up to 140,000 bonus membership rewards points:
- AMEX PLATINO: GANO 80,000 bonus points after spending $ 8,000 on eligible purchases in the first six months of card membership.
- AMEX GOLD: GAN 60,000 bonus points after spending $ 6,000 on eligible purchases in the first six months of card membership.
TPG March 2025 Valuations PEG American Express Membership Rewards points to 2 cents each, which means that these welcome bonds are worth an incredible up to $ 2,800.
Be sure to review the Card card tool As can be the objective of a high welcome offer on one or both cards. (These offers are subject to changes at any time).
There are a couple of Application restrictions To be aware of:
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- You will only get a welcome offer on each card once per life.
- It is better to request gold first and then platinum; If you do it, it will not be eligible to obtain the gold welcome offer.
Related: A complete guide of the restrictions of a Amoex’s life bonus
Accelerate your profits
You could win thousands of extra points every year using the Correct card for each purchase. A general guide is to use:
Let’s immerse ourselves in the numbers …
Use the platinum to book flights, as it will earn 5 points per dollar spent directly with airlines or with AMEX trips*. That compares with 3 points per dollar at the Amex Gold.
For prepaid hotels reserved through Amex Travel, Platinum is again the way to follow, winning 5 points per dollar spent instead of only 2 points per dollar with the Amex Gold.
Then, you will want to use the Amex Gold for your purchases of groceries and meals, winning 4 points per dollar spent on restaurants worldwide ** and in US supermarkets ***. With the platinum, it would only win 1 point per dollar spent in these categories.
* In up to $ 500,000 of these purchases annually, then 1 point per dollar
** At up to $ 50,000 in purchases per calendar year, then 1 point per dollar
*** at up to $ 25,000 in purchases per calendar year, then 1 point per dollar
Related: How to win more than 300,000 points in a year
Maximize declaration credits
Both cards provide annual declaration credits that can put hundreds, or even thousands, dollars in their pocket.
The annual $ 325 rate of the AMEX Gold (see rates and rates) is More than compensation for up to $ 424 in declaration creditsthat focus mainly on dinner. Chess members receive:
- Up to $ 50 resy biannual credit: In American restaurants affiliated with Resy
- Up to $ 10 monthly gastronomic credit: In selected merchants such as Five Guys and Grubhub
- Up to $ 10 in monthly uber cash^: For super or subser walks, eat orders in the US.
- Up to $ 7 months Dunkin ‘Credit: In us Dunkin ‘Locations
Registration is required.
Meanwhile, the high annual rate of $ 695 of the AMEX Platinum (see rates and rates) could be More than compensation for up to $ 1,500 in declaration credits, as long as Maximize them all. Most are focused on travel and life style, with some of our favorites:
- Up to $ 200 of annual airline rates credit: With your favorite airline
- Up to $ 200 annual hotel credit: To compensate for prepaid reserves with amex Fine Hotels + Resorts either The hotel collection (Minimum two night stay)
- Up to $ 199 Annual Clear Plus Credit: To cover your annual membership (subject to automatic renewal)
- Up to $ 20 monthly digital entertainment credit: Including Disney+ and peacock subscriptions
- Up to $ 15 in monthly uber cash^: For Uber or Uber walks eat orders in the United States; Bonus $ 20 in December
Registration is required.
^Uber’s cash will only be deposited in an Uber account when he adds the Amex card eligible as a payment and exchange method with any AMEX card.
Related: American Express Gold vs. American Express Platinum: What is adequate for you?
Protect your purchases and trips
Both the offer of platinum and gold letters from American Express Extended guarantee and Purchase protection benefits.
However, the Amex Platinum card offers more complete protection benefits, especially for frequent travelers, while the AMEX Gold card provides more limited coverage.
He shopping and travel protection offered by the AMEX Platinum and the Amex Gold do not include:
- Cell phones protection
- Emergency medical transport (if coordinated by the benefit manager)
- Return protection
- Cancellation insurance and travel interruption*
- Travel delay insurance*
- Greater coverage for loss and damage of car rental, and luggage and travel insurance
*The level of eligibility and benefits varies according to the card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. The policies are subscribed by New Hampshire Insurance Company, an AIG company.
When it makes no sense
Keeping the Amy Platinum and Gold cards may not be profitable for everyone. Consider the following:
- Access to the living room: If you rarely wear airport halls or do not spend enough on platinum to Unlock guest accessYou may not get enough card value.
- Purchases of groceries: If you buy mainly in Big-Box retailers such as Walmart or Target OA through Registered delivery services That does not encode as “supermarkets”, you may not win bonus points in these categories.
- Declaration credits: Evaluate if you already spend on services (such as Grubhub and Uber) for which you will receive declaration credits; If not, you can end up spending to “save” money.
End
The annual rate and the lowest bonus points of the amex gold card in meals and groceries can adapt to many users, while the highest platinum card is worth those who can maximize their travel advantages.
The combination of both cards can increase their balance of AMEX points, raise their trips and compensate for their expenses in lifestyle purchases.
For more information, read our complete reviews of the AMEX PLATINO and AMEX GOLD cards
Apply here: Amex gold card
Apply here: AMEX platinum card
For rates and rates of the Amyx Platinum card, click here.
For rates and rates of the Amyx Gold card, click here.
