Thursday, November 24, 2022

Is Platinum Card Better Than Gold

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Best Card For Vacationers: The Amex Platinum Card

American Express Platinum vs. Gold Credit Card | Which Card is Better?

The Platinum card is also more well-rounded than the Gold Delta SkyMiles card and offers more travel value overall. For example, in addition to offering 5 points for every dollar you spend on air travel, it also offers 5 points for every dollar you spend at select hotels.

The Platinum card truly shines once youve reached your destination. A rich platter of shopping credits, travel protections, hard-to-beat airport lounge access and luxury hotel privileges show why the Amex Platinum remains a standout name among travel cards.

The American Express Platinum card is also more versatile. For example, you can transfer your points on a one-to-one basis to a wide variety of airlines. You can also earn points on air travel from any airline, not just Delta.

Matching Onwards To Hard Rock Hotels M Life And Hyatt

The story doesnt end there. With a bit of extra legwork, you may even leverage your Caesars Diamond status into a variety of other status levels in even more programs.

First off, Caesars Diamond can also be matched onwards to a variety of other casino and gaming chains, such as Hard Rock Hotelss top-tier Rock Royalty status, which comes with two complimentary nights, two tickets to a comedy show, and a one-time entry for two into the Fresh Harvest Buffet or Legends Lounge at a Hard Rock Hotel.

Just like that two comped nights at a Hard Rock in the bag. If youre the type who likes to embark on spontaneous poker weekends, it doesnt get much better than this!

The status-matching pathway to Hyatt, meanwhile, goes through yet another gaming-oriented hotel chain: M Life, the loyalty program for frequent participating at MGM Resorts.

While Caesars Diamond can be matched to M Life Gold, the caveat here is that this particular step in the pathway must be done in-person at an MGM Resorts property.

Many data points suggest that it can be done at The Borgata in Atlantic City, but a few data points also indicate that it can also be done at the MGM Grand in Las Vegas as well. If youre in Vegas taking advantage of your Caesars Diamond benefits, it certainly doesnt hurt to drop by the MGM Grand to see if you can match your way to M Life Gold.

Here’s How The American Express Platinum Card Airline Credit Works:

  • Amex automatically gives you $200 per year for fees from one specific airline.
  • You can choose your preferred airline by logging in to your account on American Express Travel Online and selecting from the dropdown menu. Alternatively, you can call the American Express Platinum card Travel Service at .
  • You can select your preferred airline at any time during the first year your account is open. But you can’t change your pick whenever you want. You can only make a change from January 1 to January 31 each year. Otherwise, Amex will use the same airline you picked previously.
  • Unused airline credits do not roll over from year to year. You get no more than $200 each year.
  • The American Express Platinum card airline credit covers fees for: baggage, date changes, bringing pets, picking your seat ahead of time, reservations by phone, in-flight purchases , and extra guest passes for airport lounges.
  • The card’s airline credit does not apply to: airfare, services provided by third parties , gift cards, fees for transferring points, using a travel agent, duty-free purchases or insurance.

With this card’s airline credit, you don’t need to worry about $200 in fees that you’d normally have to pay out of pocket each year. And aside from designating which airline you want the credit for, you don’t have to do anything to redeem.

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Also Earn Solid Rewards On Airline Spending

The Amex Gold earns a respectable 3 points per dollar spent on flights booked with airlines directly or booked through American Express Travel. All other purchases earn 1 point per dollar spent. That may not be as much as the earning rate on the Platinum Card, but if you tend to spend more money on eating than you do on flying, this rewards structure may work out better for you overall.

Which Delta Skymiles Credit Card Should You Get

American Express Platinum vs. Gold Credit Card

Which Delta SkyMiles credit card you get should depend on how frequently you fly Delta. If you fly once and a while but often enough to enjoy the benefits of a free checked bag and priority boarding, stick with the Delta SkyMiles® Gold American Express Card.

However, if you fly Delta more frequently it may be worth it to pay a higher annual fee in order to receive the benefits of the Delta SkyMiles® Platinum American Express Card, which include the same perks as the Delta SkyMiles® Gold American Express Card plus things like a companion certificate, a Global Entry or TSA PreCheck credit, and more points on varied spending categories.

Finally, if you frequently fly Delta and youre an airport lounge fanatic, you should consider the Delta SkyMiles® Reserve American Express Card. Though there are a few perks that elevate the Delta SkyMiles® Reserve American Express Card from the Delta SkyMiles® Platinum American Express Card, namely lounge access, youll need to decide whether or not the extra $300 in annual fees is truly worth it.

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Amex Platinum Welcome Offer

Premium cards reign tend to go big with their welcome bonuses in order to entice customers to look past hefty annual fees .

The Amex Platinum is no exception, as it is currently offering a two-part welcome bonus. New cardmembers can earn 100,000 Membership Rewards points after spending $6,000 on purchases in the first six months of card membership. Plus, earn 10x points on eligible purchases on the card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined eligible purchases, during your first six months.

Related: Battle of the premium travel rewards cards: Which is the best?

TPGs valuations peg the value of Membership Rewards points at 2 cents each, making the 100,000-point bonus worth $2,000. However, if you spend $25,000 in combined purchases at restaurants worldwide and when you Shop Small at merchants that participate Amexs network of small businesses in your first six months, youll earn an additional 250,000 points on these purchases. These points are worth $5,000 based on TPGs valuations.

You might be able to snag an even better bonus on the Amex Platinum using the CardMatch tool. For example, its not usual for consumers to find 100,000-point Amex Platinum offers through CardMatch. However, CardMatch offers are subject to change at any time.

What’s The Difference Between Gold And Platinum

About 190 metric tons of platinum are mined each year globally. The majority of platinum production comes from two countries: South Africa and Russia.

Platinum is more difficult to produce than gold, as it’s located deeper in the earth and requires a more difficult purification process. It is a highly dense but incredibly malleable metal with importance for industrial applications, including in catalytic converters for cars and turbine engines for planes. It’s also used in medical devices such as pacemakers as well as in jewelry.

In 2019, 3,463 tons of gold were mined globally. Gold is mainly produced in three countries: China, Australia, and Russia. It is used in several industries, including dentistry, computers and other electronic devices, in the aerospace industry, and, most commonly, in jewelry and other artistic applications. Many governments and individuals store quantities of gold because of its perceived value as an alternative currency.

Platinum
CME Group and the Tokyo Commodity Exchange CME Group and the Tokyo Commodity Exchange

Here are factors to consider when it comes to investing in gold vs. platinum.

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The Amex Platinum Card

The Platinum Card earns a massive 5 points per dollar spent on airfare, as long as you book directly with the airline or through Amex Travel, and on prepaid hotel stays booked through Amex Travel . It earns 1 point per dollar on everything else.

The Points Guy subjectively values Amex Membership Rewards points at 2 cents each, so that means a whopping 10% of value back on the bonus categories.

While other credit cards offer a wider array of bonus categories, 5x points is a fantastic earning rate, and if you book your own travel frequently, the points will add up quickly.

What Does Caesars Diamond Get You

The American Express Gold Card vs the Platinum Card | Which Amex Card Is Better?

Lets take a look at those benefits of Diamond status in detail:

  • Priority lines for check-in, shows, on-property restaurants, casino games, etc.

  • Complimentary valet parking

  • Two free tickets to a Vegas show per month

  • $100 Celebration Dinner at participating Caesars-owned restaurants

  • No resort fees on most Caesars hotel stays

  • Complimentary four-night stay at the Atlantis Paradise Island in the Bahamas

Youll notice that most of the benefits are concentrated in Las Vegas, where the Caesars Entertainment group operates a large number of hotels and casinos, chief among which is the iconic Caesars Palace Las Vegas.

Caesars Palace Las Vegas

For anyone planning a trip to Las Vegas, taking advantage of the Caesars Rewards status match can really take your trip to the next level with very little effort on your part, as reader Daniel recently reported in his Success Story.

Even better, if you and your spouse were to both take advantage of the status match originating from your respective Amex Platinum cards, then you could double-up on the $100 Celebration Dinner and Las Vegas show tickets, extracting even more value.

Planet Hollywood Las Vegas

Note that there are a few benefits listed on the Caesars Diamond page that are specified as for earned Diamond members only, such as the VIP Laurel Lounge access at Caesars hotels and the complimentary two-night stay at Caesars Bluewaters Dubai.

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Avoid Paying An Annual Fee

Both the Amex Platinum and the Amex Gold cards charge annual fees that will cost you several hundred dollars a year. If you cant stomach the thought of shelling out that much for a card, even with all the perks and extras, consider a card like the Amex EveryDay® Credit Card*, which carries no annual fee and earns 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases , 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

How To Activate Chase Sapphire Reserve Priority Pass:

  • Log in to your Chase online account.
  • Find Airport Lounge Access and click Activate Now at the bottom.
  • Follow those steps, and you’ll get membership cards for you and any authorized users on your Chase Sapphire Reserve account within 2-3 weeks by mail. Once you have your Chase Sapphire Reserve Priority Pass membership card, you’ll need to show it and a same-day boarding pass to get into a Priority Pass lounge.

    You may also be able to bring guests traveling with you. There’s no limit set by Priority Pass, but individual lounges have the right to make their own rules. Authorized users have their own memberships and aren’t considered guests. Keep in mind that only two of your guests are free the rest cost $27 each.

    Your Chase Sapphire Reserve Priority Pass membership gives you access to a widespread network. There are Priority Pass lounges all over the world, including at the most popular domestic and international airports, like the Chicago O’Hare International Airport, the Los Angeles International Airport, and the Dubai International Airport. Lounges offer amenities like refreshments, alcohol, TV, magazines, Wi-Fi, and in some cases, telephones, fax and showers.

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    Earn High Rewards On Flights And Prepaid Hotels

    The Platinum card earns a whopping 5 Membership Rewards points per dollar spent on flights booked directly with the airline or through American Express Travel and prepaid hotels booked through American Express Travel. The airfare portion of this benefit is limited to the first $500,000 spent each year. Thats as good of a rewards rate as youll find on any travel rewards card that isnt tied to a specific airline. All other purchases earn 1 point per dollar spent.

    For frequent fliers who typically book direct or prepay for their hotel rooms, this alone could be a great reason to own this card.

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    Aadvantage Gold Vs Platinum

    View Full ProfileView Full ProfileJDiverI think the extra bonus miles, the higher priority and the business slounge access internationally make Platinum significantly more desirable than Gold.View Full ProfileTWAL10114EverOk just curious………..I realize the extra miles you get when being a PLAT versus a GOLD member, but does the 72 hour upgrade window matter much when requesting an upgrade? I rarely get one as a GOLD and I understand that everyone and their mother is a GOLD, so I just happen to luck out when I get one. However when I become a PLAT, will my upgrade chances get better? I understand the window is 72 versus 24 hours, but does that really matter?View Full Profile

    • MSP
    • Posts:

    One WorldJGR01Also the OP states they are from Ponder TX which from a mapquest search is near Denton .. which makes DFW their home airport.With SOOOO many upper tier traveling from the DFW airport, the higher tier you are . the better.DFW is the one airport I connect at where even as EXP my upgrades do not clear until close to flight time. It seems that Revenue Management leaves the inventory at zero for much longer on ex-DFW flights than they do at other stations. Never understood this, and have always cleared, but sometime the clearance has been at the gate.dstanoldpenny16

    Should You Get The American Express Green Gold Or Platinum

    With so many factors to consider, this decision is truly a personal one. Since all three cards offer much more than just travel points on what you buy each day, youll have to take all the benefits into account to determine which ones youll use and if the annual fee on each card is worth it.

    If your main goal is to earn Amex Membership Rewards points and get some basic benefits and statement credits while paying the lowest annual fee possible, the Amex Green card will get you what you need. However, if you want to reap VIP travel benefits, then the Amex Platinum card provides the best airport and hotel experiences, and the included statement credits can help offset many of your travel purchases.

    But if you arent traveling much right now and want a card that earns bonus points at restaurants and on groceries while youre stuck at home, the Amex Gold card is your best bet. If you can take advantage of all the statement credits available on the card in 2021, you can actually more than offset the annual fee on the card, making it a solid choice for at least the next 12 months even if you cant get on a plane.

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    Compare Delta Skymiles Credit Cards: Annual Fee

    Perhaps the largest distinction between the three Delta SkyMiles cards is with their annual fees. The difference in annual fee for each card is significant, and can be a deciding factor when choosing which card to get.

    It’s important to weigh each card’s annual fee against its benefits to determine the overall value of the card. In this case, the Delta SkyMiles® Reserve American Express Card comes out on top with the highest value of the three cards as its significant benefits like Delta Sky Club access and a companion certificate that applies to first class airfare offset its high annual fee.

    Here is a breakdown of each cards annual fee:

    Annual fees vs. value of benefits*

    Delta SkyMiles® Gold American Express Card Delta SkyMiles® Platinum American Express Card Delta SkyMiles® Reserve American Express Card
    Annual fee

    *Based on two roundtrip flights per year

    American Express Gold Delta Skymiles

    Amex Gold vs. Platinum | Which Card Is Best for You?

    At first glance, it seems hard to believe that the Delta SkyMiles Gold can compete with the elite Amex Platinum card. However, the best credit card isnt always the flashiest card but instead delivers the best value according to how you operate.

    Crunching the numbers shows that the Delta SkyMiles Gold card may be the more competitive choice if youre not a constant globe-trotter, or if offsetting a triple-digit annual fee makes you break a sweat even with a trove of luxury perks.

    Loyal Delta flyers that prize saving money on the flight over saving money at the destination might find the Delta SkyMiles Gold card a more rewarding travel partner.

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