American Express Gold Card Vs Savor Rewards From Capital One*
If you want high rewards on food and a lower annual fee than the Amex Gold, consider the Savor® Rewards from Capital One®. For a $95 annual fee, the Savor card will earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases You wont get the dining and Uber Cash that the Amex Gold card has, but the Savors lower annual fee may make that acceptable to you.
American Express Gold Card Vs The Platinum Card From American Express
The Platinum Card® from American Express is one of the most prestigious cards on the market, with a $695 annual fee to match . The card earns 5 Membership Rewards points per dollar spent on flights purchased directly through airlines or American Express Travel, on up to $500,000 per calendar year, then 1 point thereafter. It also earns 5 points per dollar on prepaid hotels booked through American Express Travel. All other purchases on the card earn 1 point per dollar.
Although the Amex Gold offers elevated rewards across a wider swath of spending categories than the Amex Platinum, it cant match the swank perks that Platinum cardholders receive. Premium lounge access, Gold status with Hilton and Marriott Bonvoy hotels with enrollment, Uber Cash for eligible spending when your card is linked to your account, Saks Fifth Avenue credits and credits on airline incidental expenses on an eligible airline you select each year and other perks all come with card ownership.
American Express Gold Card Uk The Sign
The American Express Preferred Rewards Gold card offers 10,000 bonus Membership Rewards points when you spend £3,000 in your first 3 months .
Membership Rewards points can be directly converted to Avios and with a number of other partners. If converted to Avios this would be enough for a return flight to Athens. Use our Avios points calculator to see where your points could take you.
Even better, you can get a higher bonus of 12,000 points if you use this specific link for the Amex Gold card , helping you to fly even further. For those who have read my post about the value of American Express Membership Rewards points if converted to Avios, youll know that I value the points at roughly £0.01 per point. As such by using this link youre making in the region of £20, with the total benefit somewhere in the region of £120. Worth considering! Just look out for the additional 2,000 points as shown below in red when you use the referral link.
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Use Your Amex Business Gold For Big
Your business likely has to invest in big-ticket purchases from time to time that are necessary for your everyday functions. Although youll only earn 1 point per dollar on non-bonus purchases, the purchase protection and extended warranty coverage this card offers are convincing reasons enough to still pay with your Amex Business Gold.
Purchase protection covers eligible items from damage or theft up to 90 days from the date of purchase and can reimburse you up to $1,000 per item . On the other hand, an extended warranty adds an additional year of coverage to an original manufacturers warranty of five years or less, reimbursing you up to $10,000 per item and up to $50,000 per year on the card.
You never know when something may happen, and these benefits are essential to help protect your business against the potentially high costs of unforeseen issues.
Amex Rose Gold Card For Military
The Amex Rose Gold card is a limited edition of the AMEX Gold Card. It has all the same perks, benefits, and the annual fee is still waived for military servicemembers and spouses.
The rose gold color is very distinctive. It also sounds very distinctive when you tab it on the table. Both the AMEX Gold and Rose Gold card are made of metal.
I personally picked up one of these rose gold cards as soon as it was offered earlier this year. Currently, it’s not available, but AMEX occasionally let’s you switch to this color for free.
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How Soon Can I Increase A Credit Limit Increase
You can request a credit limit increase once your account has been opened for at least 60 days. There are some reports of people having to wait 90 days now so you might need to wait a little longer if you want to be safe.
However, if youve had a card with American Express for at least six months, you might be able to request a credit limit increase as soon as youve been approved for your new card some have been able to request a credit limit increase within 60 days of opening their cards.
Whats Included In My Credit Score
The credit scores from each credit reporting company should be in agreement on whether your score is poor, fair, good, very good or excellent/exceptional, as they all take the same data into consideration. Scores are based on payment history , debt-to-credit ratio , length of credit history , credit mix and new credit .
If the scores are too far away from each other though, check your credit history with the bureau who has the lower score to make sure there are no errors on your credit report that might be dragging your credit score down.
A very good FICO credit score is 740 or above, and if your score is in this range then youve got a very good shot at having a successful application and getting the Amex Gold card. But you can still get approved for this card if you have a score of 700, or even as low as 670. The lower your credit score is though, the better your credit history and income level needs to be to compensate.
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Amex Gold $120 Dining Credit
The first perk is that the Amex Gold Card offers a dining credit of up to $120 per year. This gives enrolled members up to $10 per month in statement credits when you pay with your card at Grubhub, Seamless, The Cheesecake Factory, Ruths Chris Steak House, Boxed, and participating Shake Shack locations.
There are some restrictions to be aware of with this credit:
- This credit is valid for purchases with Grubhub, Seamless, The Cheesecake Factory, Ruths Chris Steak House, Boxed, and participating Shake Shack locations
- Purchases by both the primary card member and authorized users are eligible, but youre limited to a single credit no matter how many authorized users you have
- The credit comes in the form of a $10 monthly credit, for a total of up to a $120 credit each year
- Shake Shack locations in ballparks, stadiums, airports, and racetracks, arent eligible
- The terms state that this isnt valid for gift card or merchandise purchases, though its anyones guess if that is enforced
- Only purchases in the United States qualify
- The terms state that the credit should post within two to four weeks, though in my experience it posts much faster than that
You Can Still Maximize Your Points
Fortunately, the Amex Business Gold pairs well with other cards in the Membership Rewards family. Case in point: The Blue Business® Plus Credit Card from American Express has no annual fee and offers 2x on the first $50,000 spent in purchases each calendar year, then 1x. You can add another 100,000 Membership Rewards points to your rewards balance every year by maximizing this threshold.
The consumer version of the Amex Business Gold the American Express® Gold Card comes with a $250 annual fee but has excellent returns that can pair well with the business card. Amex Gold cardholders can earn 4x at U.S. supermarkets and at restaurants. Then, by using the Business Gold for other purchases within its bonus categories, your overall 4x Amex earning potential can be expanded greatly.
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Amex Gold Vs Platinum: Best Annual Credits
Winner: Amex Platinum
The Gold Card offers up to $120 in Uber Cash. Simply add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
Youll also get up to $120 in dining credits. Upon enrollment, youll earn up to a total of $10 in statement credits each month when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruths Chris Steak House, Boxed and participating Shake Shack locations. This can be an annual savings of up to $120. Plus, you can get a $100 on-site credit for qualifying activities like dining or spa treatments when you book The Hotel Collection with American Express Travel and stay at least 2 nights . This brings the annual credit value to $340 a year.
The Platinum Card, on the other hand, has a plethora of annual bonus credits. The card offers up to $200 in Uber cash for your U.S. rides each year after you add the card to the Uber app . You will also be able to take advantage of the $200 airline fee credit, which can be used on baggage fees and more on one qualifying airline of your choosing.
In addition, youll get up to $200 in credits for hotel services through Amexs Fine Hotels + Resorts® or The Hotel Collection and a $100 credit for Global Entry or $85 for TSA PreCheck. You also get up to $100 in Saks Fifth Avenue shopping credits with required enrollment.
What Benefits Does Hilton Honors Gold Status Offer
Before we jump into how to get Hilton Gold status, let’s quickly review the benefits of that come with it.
This way you’ll know if it’s worth earning status and just how much you can use each of the benefits.
With Hilton Honors Gold status you’ll get all the benefits included in the Member and Silver status levels. You’ll also get a few additional valuable perks.
Here’s a full list of benefits that you’ll get with Gold elite status:
- Discounted rates
- Earn 80% points bonus on paid stays
- Room upgrades based on availability
- Complimentary breakfast at all hotels
- Unlimited milestone bonuses
As you can see the most noteworthy perks of Hilton Honors gold status include free room upgrades, complimentary breakfast at all hotels, and accelerated points earning rates on paid stays.
But, let’s dive into the details of each of these benefits.
When you earn Hilton Gold status you’ll enjoy free room upgrades!
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Amex Credit Limit Increase Guide:
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Getting an Amex credit limit increase is pretty straight forward. However, there are a few things you should know like how big of an increase you should request and how long you need to wait before requesting your increase. This article will walk you through everything you need to know about American Express credit limit increase requests.
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Amex Gold Vs Platinum: Annual Fee
Winner: Amex Gold
Given that Amex Gold Cards annual fee is $445 cheaper, its not a huge surprise that it comes out the winner here. The reality is that not everyone can justify paying an annual fee of $695 for a credit card. Considering all the perks the Amex Gold Card gives you for an annual fee of $250, this card could make considerably more sense.
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Centurion Card From American Express
Centurion®members can bring two additional guests or immediate family members intoAmex lounges with them free of charge, and can also buy day passes foradditional guests for $50 each.
This card is available by invitation only, sodont expect to see an application link anywhere online. While American Expressdoesnt publicly disclose the invitation criteria, its various fees can runthousands of dollars.
Can You Get Lounge Access With The American Express Gold Card
The American Express® Gold Card doesnt come with complimentary lounge access.
If the steep annual fee for the Platinum Card® from American Express isnt worth it to you, but you still want occasional lounge access, the American Express® Green Card comes with $100 in yearly statement fee credits for LoungeBuddy, a program that lets you book lounge passes starting at $25.
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Do You Need To Be 21 For The American Express Platinum Card
Your approval chances are much better if youre 21 years old or older when you try for The Platinum Card® from American Express. To be an authorized user, you must be 18 years old. As most teenagers do not have the credit score or income to pay the $695 annual fee, this restriction wont disqualify too many applicants.
Basically, American Express wants to know their applicants have shown they can honor their commitments by being steadily employed or graduating college in the four years between when they graduate high school at age 18 and usually get their first real job at age 21.
You can still submit an application if you are under age 21. But, you might have to submit additional documentation to verify your income for this metal credit card.
Emerald Club Executive Membership With National
This is one of the benefits of the Platinum card that youll love if you do a lot of driving. You can enroll in Nationals Emerald Club program and automatically be upgraded to their Executive status level. When youre Executive, you can select from a special aisle of cars at participating locations usually including a bunch of great rental options!
This benefit of the Platinum card has made National my favorite car rental company. Recently, Ive been able to upgrade to a VW Bug convertible, a Jeep Wrangler, and a Cadillac XTSeven though I paid for the cheapest economy car possible!
The Amex Platinum is also one of the best credit cards for car rental insurance.
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Comparison: American Express Gold Card Vs Other Amex Cards
*on up to $25,000 spent at U.S. supermarkets per calendar year, then 1x
***up to $10 in statement credits per month when you use the Amex Gold card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Enrollment required.
****up to $10 in Uber Cash per month
*****Eligible digital subscriptions include Audible, SiriusXM, The New York Times, and Peacock
People Who Are Under 5/24 And Want More Chase Cards
As mentioned above, Chases 5/24 rule is one of the most important considerations in building a starter strategy for credit cards. Five cards can seem like a lot to someone who has never even had one before, but those slots go by quickly and once youve used them up, it takes a while to get them back.
The Amex Gold is probably going to be around for a while, so theres no reason to fire off an application for it right now if it means compromising your strategy with Chase.
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Amex Gold Vs Platinum: Best Travel Perks
Winner: Amex Platinum
The Amex Platinum easily comes out ahead in terms of travel perks based on a few factors. It all starts with the fact that you get Priority Pass Select airport lounge access . But this card also lets you enter American Express Centurion Lounges as well as Delta Sky Clubs when you fly with Delta.
Other travel benefits you get with the Amex Platinum include Gold elite status with the Marriott Bonvoy and Hilton Honors programs and access to the American Express Fine Hotels and Resorts program. Of course, youll also get up to $100 in credits toward Global Entry or TSA PreCheck and up to a $200 airline fee credit for incidentals, as previously mentioned.
Finally, the Amex Platinum also comes with its own VIP concierge service.
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Value Of Amex Gold Card Benefits
In order to recoup the Gold cards $250 annual fee, youll need to take advantage of the cards benefits. We crunched the numbers to find out how much each perk is estimated to be worth.
- Up to $120 per year in dining credits: Receive a $10 statement credit every month for purchases made with Grubhub, Seamless, The Cheesecake Factory, Ruths Chris Steak House, Boxed and participating Shake Shack locations .
- Up to $120 per year in Uber Cash: Up to $120 per year that you can apply toward U.S. Uber Eats orders and Uber rides in the U.S. Add your Gold card as a payment method in your Uber account to benefit.
- Complimentary year of Uber Eats Pass : Uber Eats Pass membership provides unlimited $0 delivery fees and 5% off orders over $15 at eligible restaurants . Also benefit from no delivery fees on grocery deliveries over $30 in select markets. After the complimentary year, youll be auto-billed at the then-current monthly rate . Enrollment required by 12/31/21. Learn more about the Uber Eats Pass benefit.
- Up to $100 credit at eligible hotels and resorts: When you stay a minimum of two consecutive nights at a property in The Hotel Collection, youll receive a $100 credit to spend on qualifying dining, spa and resort activities.
