American Express Gold Card vs American Express Platinum Card: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

American Express Gold Card vs American Express Platinum Card

Compare American Express Gold Card and American Express Platinum Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

American Express Gold Card versus American Express Platinum Card compared by attribute
Feature American Express Gold Card American Express Platinum Card
Card fee €240 EUR/yr (≈ $260) €720 EUR/yr (≈ $770)
Purchase APR (from) - -
Interest-free period 30 days 30 days
Foreign transaction fee 2% 2%
Rewards 1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry. 1 Membership Rewards point per €1 spent (optional Turbo: 1.5x for €15/year extra). Points transferable to airline and hotel partners with no expiry. Shared account across up to 7 supplementary cards.
Installments Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.) Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.)
No card fee - -
No foreign transaction fee - -
Welcome bonus
Airport lounge access
Travel insurance
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the American Express Gold Card if its checked rows above line up with how you spend most.
  • Choose the American Express Platinum Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review American Express Gold Card Full review American Express Platinum Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards