American Express Credit Cards
- sc814908
- Nov 4, 2025
- 4 min read
Credit and Benefits Overview for American Express Cards
Here is a detailed list of credits, benefits, annual fees, and earning multipliers for the American Express Green, Gold, and Platinum cards.
1. Amex Green Card
Annual Fee: $150
Sign up Bonus: Up to 40,000 Membership Rewards Points for spending $3,000 in the first six months after signing up.
Earn Points: 3X Membership Rewards points on travel and dining, 1X points on all other purchases.
Credits:
$100 in statement credits for CLEAR membership.
Travel Benefits:
No foreign transaction fees.
Access to the American Express Travel portal.
Flexible Redemption Options: Points can be redeemed for travel, gift cards, or shopping.
2. Amex Gold Card
Annual Fee: $325
Sign up Bonus: Up to 100,000 Membership Rewards Points for spending $6,000 in the first six months after signing up.
Link to Sign up: Amex Gold Referral Link
Earn Points: 4X points at restaurants (including takeout and delivery), 4X points at Grocery Stores, 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases.
Credits:
Up to $120 in annual dining credits via $10 monthly credit at Grubub, Five Guys, Cheescake Factory, Gold Belly or Wine.com
Up to $120 in annual Uber credit via $10 monthly credit
Up to $100 to spend at Resy restaurants, $50 Semi-annually.
Up to $84 in annual credit at Dunkin Donuts via $7 monthly credit
Travel Benefits:
No foreign transaction fees.
Access to the American Express Travel portal.
Flexible Rewards: Points can be transferred to various airline and hotel partners.
3. Amex Platinum Card
Annual Fee: $895
Sign up Bonus: Up to 175,000 Membership Rewards Points for spending $8,000 in the first six months after signing up.
Link to Sign up: Amex Platinum Referral Link
Earn Points: 5X points on flights booked directly with airlines or through amextravel.com, 5X points on prepaid hotels booked through Amex Travel, 1X points on all other purchases.
Credits:
Up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using your Platinum Card®.
Up to $200 in airline fee credits annually.
Up to $400 to spend at Resy restaurants, $100 each quarter.
Up to $100 in statement credits for purchases at Saks Fifth Avenue (divided into two $50 credits semi annually).
Up to $209 for CLEAR membership to help expedite airport security.
Up to $300 per year to shop at Lululemon, $75 each quarter.
Up to $200 per year at OuraRing.com
Up to $300 in Equinox membership credits.
Uber monthly credit (up to $15 monthly, and $20 in December).
Uber One subscription credit up to $120 per year.
Global Entry or TSA PreCheck application fee credit up to $120 every 4.5 years.
Travel Benefits:
Complimentary access to the Centurion Lounge, Priority Pass, and Delta Sky Clubs.
Comprehensive travel insurance benefits including trip cancellation or interruption insurance, trip delay insurance and rental car loss and damage insurance when using your card to pay for travel.
Hilton Honors Gold Status
Hilton Honors Gold status offers you a world of privileges and benefits when you book an eligible stay directly with Hilton or an Accredited Travel Agent.
Enjoy space-available room upgrades to preferred rooms at select properties
Earn reward nights faster with an 80% Bonus on all Hilton Honors Base Points you earn
Enjoy a daily food & beverage credit at select brands in the U.S. and daily continental breakfast for you and up to one additional guest at select brands outside the U.S.
Receive every 5th night free when you book a standard room stay with 100% Points
The more you stay, the more you earn. Earn Milestone Bonuses after achieving a certain number of eligible nights during each calendar year.
Check-in, choose your room and order ahead prior to your stay with the Hilton Honors App
Enjoy two complimentary bottles of water per stay at select properties
Hilton’s Price Match Guarantee‡
Marriott Bonvoy Gold Elite Status
25% Bonus Points on Stays
Enhanced Room Upgrades
2pm Late Checkout (great for situations when you have a later flight out)
Welcome gift of points
Free Wifi
Exclusive Member Rates
Ultimate Reservation Guarantee
Leaders Club Sterling status from the Leading Hotels of the World
Make each stay memorable with The Leading Hotels of the World®. With the Platinum Card®, you can receive complimentary Leaders Club Sterling Status from The Leading Hotels of the World®. Enjoy exclusive benefits such as a 5% Leaders Club points bonus on qualifying stays, and 5 pre-arrival upgrades annually (subject to availability). Enrollment required.‡
Car Rental Privileges : Hertz, Avis and National
Platinum Card® Members enjoy complimentary premium status for select car rental programs. Platinum Card® Members can view their specific Car Rental Privileges online by logging into their American Express account. Card Members must enroll through their American Express online account using their eligible Card. Terms and limitations apply.‡
Exclusive Offers: Access to exclusive events, experiences, and concierge services.
Conclusion
The Amex Green, Gold, and Platinum cards provide a variety of benefits tailored to different spending habits and travel preferences. By understanding the annual fees, earning multipliers, and unique credits of each card, you can choose the one that best fits your lifestyle and financial goals.
Special Consideration
American Express does have a rule about sign up bonuses. If you would like to earn all three bonuses you would need to start with Green then get the Gold and then the Platinum.
Or if you want both the Gold and Platinum (which is what I did due to the additional benefits of these cards and the low sign up bonus on the Green card) you would need to get the Gold first then the Platinum.
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