The Platinum card is great for people who love to travel. There are obviously many more perks that come with the Platinum card than with the Gold, especially when you consider the higher annual fee. Rewards can be used for merchandise, gift cards, dining, shopping, entertainment, or for use at the Amex travel website.
The Amex Platinum and Amex Gold are two of the best rewards credit cards. So, both cards offer valuable perks and credits.
If you do not own any Amex cards, then I suggest applying for the Platinum card first if you're targeted for the 100k offer. New targeted offers are often sent out periodically, so if you're not targeted now, check back at a later date.
Bottom line. The Amex Gold isn't just a pretty card. Its 4x earning rate on dining worldwide and at U.S. supermarkets makes it a strong pick for pretty much all food purchases. The up to $120 in with the annual dining credit — add value, and also makes the $250 annual fee easier to swallow.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
One of the most prestigious travel credit cards you can own is The Platinum Card® from American Express. The Amex Platinum metal credit card is not only thick, but it comes with tremendous travel benefits and a nice welcome bonus. ... Visit americanexpress.com to learn more.
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an application is needed to apply.
Bottom Line: The Amex Platinum card offers far better value than the Centurion card with complimentary worldwide lounge access to the same lounge networks at a far lower annual fee.
To request an upgrade from Amex Gold to Platinum, call American Express customer service at 1 (800) 528-4800. Or, log in to your online account and click “Amex Offers and Benefits” at the bottom of the page to see if you're eligible for an upgrade from Gold to Platinum.
Yes, Amex Platinum is hard to get approved for. It will be difficult for the average person to get Amex Platinum because of the card's 700+ credit score requirement and reportedly high income requirement.
Is it hard to get an Amex Gold card? Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.
You're guaranteed a credit limit of at least $10,000 with this card, but it comes with a $550 annual fee and requires excellent credit. If you're a high spender, though, the points you'll rack up can be well worth it.
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