In 2026, the choice depends on whether you value lifestyle perks or point accumulation. The Amex Gold is widely considered the "earner" card; it offers 4x points on dining and U.S. supermarkets, making it superior for daily spenders. Its $325 annual fee is largely offset by dining and Uber credits. The Amex Platinum, with an $895 annual fee, is a "perks" card designed for frequent travelers. It offers 5x points on flights but only 1x on almost everything else. However, it provides massive value through Centurion Lounge access, a $200 airline fee credit, a $200 hotel credit, and a $199 CLEAR Plus credit. If you travel more than four times a year and value luxury (lounges, hotel status), Platinum is better. If you want to maximize points from your grocery and restaurant bills to fund future trips, Gold is the clear winner. Many "power users" in 2026 carry both to maximize the strengths of each.