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You have lots of options when it comes to earning Amex Membership Rewards points, which is always a good thing. But choosing the right card be tricky because there are various factors to consider.
If you’re looking for an Amex charge card, we’ve put together this comparison of the American Express® Green Card, American Express® Gold Card and The Platinum Card® from American Express to help you decide which card is the best fit for your spending habits and travel goals. All three cards make our list of the top American Express cards, but each has different annual fees, earning rates, and other features.
Here’s a detailed look:
Amex Green vs. Amex Gold vs. Amex Platinum
|Card name||Welcome bonus & minimum spending requirements||Earning rate||Annual fees||Our review|
|American Express®️ Green Card||30,000 Membership Rewards® points after spending $2,000 on purchases on the Card in the first 3 months.Terms apply.||3x Membership Rewards points on travel|
3x Membership Rewards points on worldwide restaurant purchases
1x Membership Rewards point on everything else
|$150 annual fee (see rates & fees)||Amex Green card review|
|American Express® Gold Card||35,000 Amex Membership Rewards® points after spending $4,000 in purchases in the first 3 months of account opening. Terms Apply.||4x Amex Membership Rewards points per dollar at restaurants|
4x Amex Membership Rewards points per dollar at US supermarkets, on up to $25,000 per calendar year in purchases (then 1X)
3x Amex Membership Rewards points per dollar on flights booked directly with airlines or on Amextravel.com
|$250 annual fee (see rates & fees)||Amex Gold card review|
|The Platinum Card® from American Express||60,000 AMEX Membership Rewards points after spending $5,000 on purchases within the first three months of account opening. Terms Apply.||5x Membership Rewards points per dollar spent on airfare (booked either directly with the airline or through Amex Travel)|
5x Membership Rewards points per dollar spent on prepaid hotels booked on Amex Travel
1x Membership Rewards point per dollar on everything else
|$550 annual fee (see rates & fees)||AMEX Platinum review|
Each card has a different annual fee, bonus categories and welcome offer. The Amex Platinum Card, for example, has a $550 annual fee (See Rates and Fees), while the Amex Green Card’s annual fee is just $150 (See Rates and Fees). While the Amex Platinum’s hefty annual fee might scare some people off, it’s important to dig deeper into each card’s benefits and perks, as many of them will help offset the annual fee.
- Up to $200 in Uber credits annually
- Up to $200 annual airline fee credit
- $100 Global Entry credit
These benefits can add up, but only if you can use them. I live in a small town, so the Uber credits aren’t as enticing as they might be for someone living in a larger city without a car. I also already have Global Entry, so the credit doesn’t necessarily benefit me. But if you’re a regular Uber user and can make use of the other credits, you can nearly cover the entire annual fee with their value. Plus, there’s the outstanding 5x Membership Rewards points you’ll earn on airfare booked either directly with the airline or through Amex Travel, and on prepaid hotels booked on Amex Travel.
For these reasons, the Amex Platinum is our top pick for those who spend a lot on airfare and who are looking for premium perks. You can read our full review of the Amex Platinum card here.
- Up to $120 dining credit ($10 monthly) each year at participating restaurants (enrollment required)
- Up to $100 airline incidental fee credit each calendar year on your selected airline
This card’s perks make the most sense for someone who spends a lot on dining, especially given the fact that you’ll earn 4x Amex Membership Rewards points per dollar spent at restaurants. That’s why we recommend this card as the best Amex card for restaurant purchases. You’ll find our review of the Amex Gold card here.
Lastly, the Amex Green card comes with benefits like:
- Up to $100 in yearly statement credits when you use your Amex Green card to pay for a CLEAR membership
- Up to $100 in LoungeBuddy statement credits per year
Sure, these benefits aren’t as notable as those offered by the Amex Platinum (See Rates and Fees) or Amex Gold (See Rates and Fees) cards, but the Amex Green card’s annual fee (See Rates and Fees)is significantly less ($150 compared to $550 and $250, respectively). Plus, it earns bonus Amex Membership Rewards points on general travel purchases, something the other cards don’t offer. Specifically, Amex says these purchases will qualify for earning bonus points on “airfare, hotels, cruises, car rentals, campgrounds, trains, taxicabs, rideshare services, tours, ferries, tolls, parking, buses, subways, on third party travel websites and on .”
That gives you a lot of opportunities to rack up extra rewards. And it’s why we recommend the Amex Green card as the best for those who spend a lot on general travel purchases. Here’s our detailed review of the Amex Green card.
The best personal Amex charge card for your wallet depends on your own spending habits and travel goals. If you’re trying to decide on just one, here’s how we distinguish between them:
- American Express® Gold Card: Best for restaurant and supermarket purchases
- The Platinum Card® from American Express: Best for flights and premium perks
Featured image by ra2studio/Shutterstock.