Which is better for me, the American Express Gold Card or the Platinum Card?

The choice between the American Express Gold Card and the Platinum Card largely depends on an individual's lifestyle, spending habits, and preferred benefits. If someone frequently dines out and spends a good portion of their budget at supermarkets, the Gold Card might be more appealing due to its strong rewards points on these specific categories. Additionally, the Gold Card comes with a lower annual fee, making it less of a financial commitment. On the other hand, if someone is a frequent traveler who values luxury travel perks, such as access to airport lounges, hotel elite status, and higher points earning rates on flights booked directly or via American Express Travel, then the Platinum Card may be the superior choice despite its higher annual fee. It’s important to weigh the value of each card’s benefits against the costs to determine which card better aligns with personal spending patterns and perk preferences.