| American Express Gold | The Platinum Card | |
| Sign-up bonus (est.) | 60,000 MR points (spend $6,000 in 6 months) | 80,000 MR points (spend $8,000 in 6 months) |
| Annual fee | $325/yr | $895/yr |
| Foreign transaction fee | None | None |
| Suggested score | 670+ | 740+ |
| Reward highlights | 4x dining (up to cap) 4x U.S. supermarkets Monthly dining & delivery credits | 5x on flights Centurion Lounge access Over $1,000 in assorted annual credits |
| Who it's for | Best for heavy dining & grocery spenders — and new immigrants who can apply with foreign credit history. | Best for frequent flyers who will use the lounges and burn through every credit. |
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.