Amex Platinum De vs Amex Gold De
Two Membership Rewards points cards compared
Verified October 2026
The Amex Gold De (€240) undercuts the Amex Platinum De (€720) on annual fee. Pick the Amex Platinum De for Membership Rewards points rewards; pick the Amex Gold De for Membership Rewards points rewards.
At a Glance
American Express Platinum Card
- Annual Fee
- $720
- Signup Bonus
- Network
- American Express
- Points Currency
- Membership Rewards points
American Express Gold Card (DE)
- Annual Fee
- $240
- Signup Bonus
- Network
- American Express
- Points Currency
- Membership Rewards points
Category Breakdown
How they compare across key categories
Annual Fee
Amex Gold De winsAmex Platinum De €720 vs Amex Gold De €240
Perks & Benefits
Which Is Right for You?
Get the Amex Platinum De if...
- Premium benefits to offset the €720 fee
- Earns Membership Rewards points
Get the Amex Gold De if...
- Lower €240 annual fee
- Earns Membership Rewards points
Frequently Asked Questions
Is the Amex Platinum De or Amex Gold De better?
The Amex Gold De (€240) undercuts the Amex Platinum De (€720) on annual fee. Pick the Amex Platinum De for Membership Rewards points rewards; pick the Amex Gold De for Membership Rewards points rewards. Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Amex Platinum De or Amex Gold De?
The Amex Gold De has the lower annual fee at €240, versus €720 for the Amex Platinum De.
Which card earns points faster?
The Amex Platinum De earns up to 1x base, while the Amex Gold De earns up to 1x base.
Can I have both the Amex Platinum De and the Amex Gold De?
Yes. They're issued independently, so you can hold both and earn Membership Rewards points and Membership Rewards points side by side.
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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.