Amex Platinum vs Amex Gold

Best for: Frequent travelers who fly 20+ times per year and can use Centurion Lounges, capped Delta Sky Club visits, and the $200 airline fee credit. The card's value depends on traveling enough to capture its stacked credits, and got harder to justify after the September 2025 fee increase to $895.

Best for: Cardholders who spend heavily at restaurants and grocery stores. A household spending $1,000 per month on dining and $800 per month at US supermarkets earns 86,400 Membership Rewards per year at 4x.