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Amex Gold Rental Car Coverage – Here are the pros and cons of the American Express® Gold Card and The Platinum Card® from American Express, as well as the types of consumers who benefit most from holding one card over the other.
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Amex Gold Rental Car Coverage
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If you’re debating between the American Express® Gold Card and The Platinum Card® from American Express, you’re probably not opposed to paying an annual fee in exchange for higher earning rates and benefits. How much more – and what will you get – is a question you should consider before choosing between these two cards.
Here are the pros and cons of each card and who is most likely to benefit from holding one card over another. When all is said and done, you should have an idea of which of these two star options is the best choice for you.
The welcome bonus is one of the main differences between these two cards, but how big the difference between the offers between these two cards will vary.
New Amex Gold cardholders can get a welcome bonus that is usually between 35,000 and 60,000 Membership Rewards points. Although, it’s not unheard of to get a targeted offer with a higher Amex.
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After you spend $6,000 in eligible purchases with the new Card in the first 6 months. Terms apply.
With Amex Platinum, general bonus offers regularly reach 100,000 Membership Rewards points—in other words, nearly double the ceiling you’ll see with Gold. Sometimes it’s possible to find an Amex Refer-a-Friend or targeted offer of up to 150,000 Membership Rewards points after meeting minimum spending requirements.
Like the Gold card bonus, the Platinum bonus increases over time, usually between 60,000 and 100,000.
Perhaps the biggest difference between the two cards—and one that may be a sticking point for many consumers—is the card’s annual fee.
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At $250 (see rates & fees), the Amex Gold is priced higher than some of the most popular points-earning cards on the market, as lower-tier cards tend to fall in the $95 range annually, but it’s still definitely a mid-range card.
Gold’s annual fee isn’t even close to Platinum, which at $695 (see rates & fees) is the most expensive card offered to most Amex consumers. It’s tied only with The Business Platinum Card® from American Express (see rates & fees) and topped off with an invite-only Amex Centurion.
As anyone familiar with premium travel credit cards, the annual fee isn’t always apparent. American Express, in particular, likes to stack credits that, when used, can help make a big cut of the card’s annual fee. Gold and Platinum have these credits.
With the Gold Card, you’ll earn 4X Membership Rewards points at US supermarkets (up to $25,000 per year, then 1X thereafter) and at restaurants worldwide (plus US takeout and delivery).
American Express Platinum Vs. American Express Gold Card
It is a bonus category that is quite useful for most consumers, considering that the majority of people buy food in one form or another. These categories can be very useful for foodies or people with larger families who tend to spend more than the average in these categories.
But bonus points with Gold are not limited to food. You’ll also earn 3X points per dollar when you book flights directly with the airline or through Amex Travel, as well as the standard 1X points per dollar on all other purchases.
All told, the opportunity to get multiplier points with the Gold Card is many and includes several categories, which is not small for Amex Platinum, which offers bonus opportunities only under the travel umbrella.
With the more expensive Amex card, you’ll earn 5X points per dollar when booking flights directly with the airline or through Amex Travel (up to $500,000 of these purchases per calendar year, 1X after that), 5X points on prepaid hotels. booked through Amex Travel and 1X points on all other purchases.
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Clearly, there is some overlap here. Both cards reward consumers for purchasing flights. But while Platinum offers 5X variety instead of Gold’s 3X, you need to buy some flights (or book a lot of prepaid hotels, something you should not do during the COVID-19 pandemic) to advertise in Platinum earner more.
When it comes to using points, you will have the same options no matter which of these two cards you choose. You can redeem your Membership Rewards points through Amex Travel, though you’ll earn 1 cent per point. This is not considered a good use of points, as you can get greater value by transferring to one of Amex’s travel partners.
American Express boasts a solid list of partners, including airlines that can get you all over the world. Air France-KLM Flying Blue, British Airways Executive Club and Virgin Atlantic Flying Club are just some of the programs you can transfer your points to, whether you opt for the Gold or Platinum version of the card.
Some of the Platinum features are not least related to earning and using points and miles, but with many credits and perks that can enhance your door-to-door travel experience.
Rental Car Insurance
If you’ve read this far and are thinking, “Okay, other than the bigger welcome bonus, why would I choose the Platinum Amex?” then this section is for you.
Some of the best features of the Platinum Card are not related to earning and using points and miles, but with many credits and perks that can improve your door-to-door travel experience.
Let’s start with the benefits of both SIM cards. Both cards charge no foreign transaction fees, making them a solid international travel companion. However, you may find that American Express cards are not as widely accepted as Visa or Mastercard overseas.
On the travel side, both cards also offer secondary rental car insurance and baggage insurance (the Platinum Card offers better coverage up to $2,000 per checked bag and up to a combined maximum of $3,000 for checked and carry-on baggage).*
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When it comes to shopping, both cards come with a comprehensive warranty on consumer goods and a 90-day purchase protection that will cover you if the item is damaged, lost or stolen. Amex Platinum once again goes one step further by offering return protection for eligible sellers of no refunds as long as you file a claim within 90 days of purchase.*
The Platinum Card also offers mobile phone protection when you pay your monthly mobile phone bill with the card.*
Entertainment benefits are also comparable, with sports access cards to ticket presales and preferred seats that can help you get the seat you want at the concert or sporting event you want. Platinum Card, unsurprisingly, offers several other benefits in this arena, with invitation-only events for cardholders, custom culinary events and experiences, and access to the Amex Concierge, which can help out with tasks ranging from making reservations or buying tickets.
That’s not to say Gold doesn’t offer its own credits. It comes with $120 in dining credits—up to $10 a month—for purchases from Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations. Cardholders are also eligible for $10 in Uber Cash credits each month, which can be used for Uber rides and Uber Eats orders in the US.
Amex Credit Card Travel Insurance
But with the Platinum cards stacked up, it’s hard for any card — not just the Amex Gold — to hold a candle in the perks department. If you are not sure if you will use the credits or if you are getting a product or signing up for a service only because of the credits, discount the value of the credits from their face value.
As you can tell from the long list of benefits, Amex Platinum is meant to take your entire travel experience to the next level.
From blitzing through security (Global Entry, TSA PreCheck and Clear credits) to enjoy lounge access (Centurion Lounge, Plaza Premium, Delta Sky Club and Priority Pass access) to take advantage of better seats, free checked bags or other perks on board ( airline fee credits), there are some aspects of travel that Platinum holders will not increase. And there are plenty of non-travel consumer-focused perks, too.
If two cards sound attractive, keep that in mind
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