Overview

• Cardholders can earn up to 275,000 bonus Membership Rewards points from the Gold and Platinum welcome offers, worth roughly $5,500.
• Applying for the Gold card before the Platinum ensures eligibility for both sign-up bonuses under Amex’s one-time rules.
• The Platinum card delivers 5 points per dollar on flights and prepaid hotels, while the Gold card earns 4 points per dollar at restaurants and U.S. supermarkets.
• Up to $424 in annual dining and ride credits on the Gold card and over $600 in travel and lifestyle credits on the Platinum card can offset most of the combined fees.
• Both cards include purchase protection and extended warranties, with the Platinum card adding broader travel insurance and coverage enhancements.