Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Amex Platinum Card vs. Amex Green Card [Detailed Comparison]

Stephen Au's image
Stephen Au
Stephen Au's image

Stephen Au

Senior Content Contributor

486 Published Articles

Countries Visited: 24U.S. States Visited: 22

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
Edited by: Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3093 Edited Articles

Countries Visited: 45U.S. States Visited: 28

With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
& Juan Ruiz
Juan Ruiz's image

Juan Ruiz

Senior Editor & Content Contributor

84 Published Articles 646 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1024+ Expert Credit Card Guides

The Platinum Card® from American Express and the American Express® Green Card are 2 of American Express’ most well-known cards and offer a great way to earn points.

And while both of these cards share some attractive benefits such as no preset spending limit (to reduce the risk of getting declined for purchases) and no foreign transaction fees (to help you minimize costs when traveling abroad), there are huge differences in the rest of these cards’ features.

So in this guide, we’ll compare and contrast the benefits of the Amex Platinum card with the Amex Green card to see which one’s right for you. Let’s get started!

Amex Platinum Card vs. Amex Green Card — Overview

If you don’t have enough time to read through the minutia of each card’s features and benefits, check out the table below that compares both cards at a high level.

Note that some benefits for both cards require enrollment through your American Express account, so be sure to get the most out of your card!

SCROLL FOR MORE
Feature/BenefitThe Platinum Card® from American ExpressAmerican Express® Green Card
Welcome OfferEarn 80,000 points after spending $8,000 on purchases in the first 6 months.Earn 40,000 points after spending $3,000 within the first 6 months.
Earning Potential
  • 5x points on flights purchased directly with the airlines or through AmexTravel.com, up to $500,000 per calendar year (then 1x)
  • 5x points on prepaid hotels booked through AmexTravel.com
  • 1x points on all other purchases
  • 3x points on eligible travel purchases
  • 3x points at restaurants worldwide
  • 3x points on transit
  • 1x points on other purchases
Redemption Options
  • Transfer to airline and hotel partners 
  • AmexTravel.com bookings (including Fine Hotels & Resorts bookings for 1 cent per point)
  • Gift cards, online purchases, entertainment, statement credits, and more
  • Transfer to airline and hotel partners
  • AmexTravel.com bookings
  • Gift cards, online purchases, entertainment, statement credits, and more
Airport Lounge Access
  • Access to more than 1,400 airport lounges globally, including Centurion Lounges, Delta Sky Clubs (when flying with Delta), Plaza Premium Lounges, Priority Pass Lounges, and more
None
Hotel and Rental Car Program Benefits
  • Complimentary Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • Access to Amex Fine Hotels & Resorts and The Hotel Collection
  • National Emerald Club Executive Elite status, Hertz President’s Circle status, and Avis Preferred status
None
Statement Credits
  • Up to $200 in airline fee credits per year
  • Up to $200 in hotel credits for eligible prepaid stays per year
  • Up to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit (up to every 4 years)
  • Up to $100 in Saks Fifth Avenue credits per year
  • Up to $300 in Equinox credits per year
  • Up to $155 in Walmart+ credits per year
  • Up to $240 in digital entertainment credits per year
  • Up to $300 SoulCycle credit per at-home bike purchase
  • Up to $189 CLEAR Plus credit per year
  • Up to $100 LoungeBuddy credit per year
  • Up to $189 CLEAR Plus credit per year
Travel Benefits and Protections
  • Access to the Platinum Concierge
  • Trip interruption and cancellation insurance
  • Trip delay insurance
  • Baggage insurance plan
  • Secondary rental car insurance (plus the ability to purchase primary rental car insurance)
  • Emergency transportation and evacuation coverage
  • Access to Premium Global Assist
  • Trip delay insurance
  • Baggage insurance plan
  • Secondary rental car insurance (plus the ability to purchase primary rental car insurance)
  • Access to Global Assist
Shopping Benefits and Protections
  • Purchase protection
  • Extended warranty
  • Return protection
  • No foreign transaction fees (rates & fees)
  • No preset spending limit
  • Access to Amex Offers
  • Access to the American Express Auto Purchasing Program
  • Purchase protection
  • Extended warranty
  • No foreign transaction fee
  • No preset spending limit
  • Access to Amex Offers
  • Access to the American Express Auto Purchasing Program
Annual Fee $695 (rates & fees)

$150
Authorized Users
  • Add the first 5 authorized users for no additional annual fee, then $35 for each additional user 

Welcome Offers

One of the best reasons to apply for a new card is an enticing welcome bonus. Indeed, even if you’re totally onboard with a card’s benefits, rewards, and features, applying at the right time can ultimately mean the difference between a large or small windfall of points.

Welcome bonuses are awarded to new cardmembers after completing a minimum spending requirement within the first few months after you are approved.

We recommend you only apply for a card if you can comfortably meet the spending requirements and earn that awesome welcome bonus.

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

American Express® Green Card

American Express® Green Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express® Green Card has been collected independently by Upgraded Points.

American Express® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
40,000 points
$880
$150
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros

  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $189 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
  • Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
  • Access to American Express transfer partners
  • No foreign transaction fees

Cons

  • $150 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
  • Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
  • Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
  • Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Value of a Welcome Offer

In general, the general consensus is that the minimum your welcome bonus would be worth is 1 cent per point — that’s because you can redeem Amex Membership Rewards points for flights through AmexTravel.com at a fixed value of 1 cent apiece.

However, you can transfer your points to Amex’s transfer partners and potentially receive far more value. On average, we think Amex points are worth about 2.2 cents each. So 45,000 points could be worth $990 in travel while 80,000 points could get you $1,760 in travel.

Earning Potential

SCROLL FOR MORE
Earning CategoryAmex Platinum CardAmex Green Card
Airfare Purchased Directly With the Airline or Through AmexTravel.com5x points (up to $500,000 per year, then 1x)3x points
Prepaid Hotels Purchased Through AmexTravel.com5x points3x points
Other Travel Purchases1x points3x points
Restaurants Worldwide1x points3x points
Transit1x points3x points
Other Purchases1x points1x points

You’ll actually notice that the Amex Platinum card only outperforms the Amex Green card on airfare purchased directly with the airline or through AmexTravel.com, as well as prepaid hotels purchased through AmexTravel.com.

So if you book lots of flights and hotels, the Amex Platinum card might be the best bet for you. Just remember that going through AmexTravel.com ensures you get rewarded as much as possible — but if you plan on doing a lot of your travel bookings outside of AmexTravel.com, the Amex Green card might end up earning you more points in the long run.

Additionally, if you frequently eat out, the Amex Green card could be a great addition to your wallet since it earns 3x points on restaurants worldwide.

Bottom Line:

If you’re most interested in maximizing your rewards on travel purchases, the Amex Platinum card will offer industry-leading returns as long as you stick to booking travel through the AmexTravel.com portal.

Redemption Options

Both the Amex Platinum card and Amex Green card earn coveted Membership Rewards points, which allow for a wide variety of redemption options.

Both cards have the ability to transfer points to airlines and hotels, including Delta SkyMiles, Marriott Bonvoy, British Airways, Air Canada Aeroplan, Hilton Honors, and more.

However, there are a few subtle distinctions in how much value you can get from specific redemptions through each of these cards.

SCROLL FOR MORE
Redemption OptionAmex Platinum CardAmex Green Card
Transfer to Airline and Hotel PartnersYesYes
Flights Booked Through AmexTravel.comYes (1 cent per point)Yes (1 cent per point)
Hotels Booked Through Fine Hotels & ResortsYes (1 cent per point)N/A
Hotels Booked Through The Hotel CollectionYes (0.7 cents per point)N/A
Other AmexTravel.com Bookings (Hotels, Car Rentals, etc.)Yes (0.7 cents per point)Yes (0.7 cents per point)
Amazon.com PurchasesYesYes
Gift CardsYesYes
Online ShoppingYesYes
Statement CreditsYesYes

Even though you earn the same type of Membership Rewards points, the Amex Platinum card allows you to redeem your points for stays at Fine Hotels & Resorts properties for 1 cent per point and The Hotel Collection for 0.7 cents per point. So if you plan on using your points for stays through these hotels, you’ll want to make sure you have the Amex Platinum card. You’ll also get other benefits when booking with hotels that are a part of either of the programs, like late checkout, complimentary room upgrades, property credits, and more.

On the other side of the coin, if you plan on using airline and hotel partners only, the Amex Green card might suffice. 

It’s important to call out that the best way to use Amex points, generally speaking, is to transfer them to hotel and airline partners.

For example, if you want to book a flight from New York (JFK) to Paris (CDG) on Air France business class, you can redeem as few as 55,000 Amex points for a one-way ticket by transferring them to Air France-KLM Flying Blue, as opposed to paying hundreds of thousands of points to book the same flight through AmexTravel.com. 

Hot Tip:

If you want to know more ways how to maximize the value of your Amex points, read our in-depth guide on the best ways to use your Membership Rewards points for luxury travel.

Airport Lounge Access

Delta Sky Club
Access the Delta Sky Clubs with your Amex Platinum card and a same-day Delta boarding pass. Image Credit: Delta

One of the most valuable benefits that a travel card can have is access to airport lounges. So much so that we’ve devoted an entire section to discussing this.

Amex Platinum Card

The Amex Platinum card is probably the single best card available for airport lounge access. With it, you can access over 1,400 airport lounges around the world through the American Express Global Lounge Collection.

This includes:

Amex Green Card

Unfortunately, the Amex Green card doesn’t confer the same lounge access as the Amex Platinum card.

However, you can utilize the Amex Green card’s annual LoungeBuddy credit of up to $100 to help gain access to airport lounges within its network, which includes almost 300 locations. The credit should cover 2 to 3 lounge visits a year.

Hotel and Rental Car Program Elite Status and Benefits

Luxury hotel
Image Credit: American Express

Another area where the Amex Platinum card clearly outshines the Amex Green card is benefits at hotels and rental car companies.

In this section, we’ll walk you through all of these benefits from A to Z.

Hotel Program Benefits

The Amex Platinum card offers automatic elite status upon enrollment with Marriott Bonvoy (Gold Elite) and Hilton Honors (Gold).

These benefits allow you to enjoy perks like quicker accrual of hotel points, room upgrades, late checkout, and even continental breakfast (with Hilton Honors Gold only).

In addition, you will have the ability to book stays at properties that are a part of Fine Hotels & Resorts and The Hotel Collection.

Here are the benefits you get when booking a Fine Hotels & Resorts stay:

  • Room upgrade (subject to availability)
  • Complimentary breakfast for 2 guests per room daily
  • Early check-in (subject to availability)
  • Guaranteed 4 p.m. late checkout
  • A special amenity, valued at a minimum of $100, once per stay
  • Free Wi-Fi

And when you book a stay at The Hotel Collection, you will receive a room upgrade (when available) and a $100 property credit once per stay.

The Amex Green card does not offer any hotel benefits.

Rental Car Program Benefits

When you’re on the road and renting a car, the Amex Platinum card offers you elite status upon enrollment with multiple car rental programs, including:

With these status levels, you can enjoy perks like complimentary upgrades to more premium vehicles, guaranteed reservations, bonus points earning, and more.

The Amex Green card does not partner with any rental car companies for status or privileges.

Statement Credits

Man looking at departure board at airport
Image Credit: Erik Odiin via Unsplash

The Amex Platinum card is an amazing card for benefits, and some benefits return actual dollars to your wallet in the form of statement credits. Here’s what you can expect to get in statement credits with the Amex Platinum card in comparison with the Amex Green card:

SCROLL FOR MORE
Statement CreditsAmex Platinum CardAmex Green Card
Airline Fee CreditsUp to $200 per year$0
Global Entry or TSA PreCheck CreditUp to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit every 4 years$0
Saks Fifth Avenue Shopping CreditsUp to $100 per year$0
CLEAR Plus CreditUp to $189 per yearUp to $189 per year
Equinox CreditUp to $300 per year$0
Prepaid Hotel Credit on Eligible StaysUp to $200 per year$0
Walmart+ CreditUp to $155 per year$0
Digital Entertainment CreditUp to $240 per year$0
SoulCycle CreditUp to $300 per at-home bike purchase$0
LoungeBuddy Credit$0Up to $100 per year

When you maximize all of these benefits, you can easily offset the annual fee on the Amex Platinum card multiple times.

Travel Benefits and Protections

Man standing next to car
Image Credit: Matthew Brodeur via Unsplash

Another key area where the Amex Platinum card offers tremendous value over the Amex Green card is in the travel protection arena.

Access to the Platinum Concierge

One of the most useful features of the Amex Platinum card is the ability to access the Platinum Concierge, which can help you make restaurant reservations in foreign countries, get connected to reputable tour providers, arrange to send flowers or gifts to loved ones, and so much more.

All you need to do is call the number on the back of your card, say “Concierge,” and you’ll be connected to a concierge who can assist you.

The Amex Green card doesn’t offer access to the Platinum Concierge.

Car Rental Loss and Damage Insurance

Both the Amex Platinum card and Amex Green card offer secondary rental car insurance with the ability to purchase primary rental car insurance, starting from $12.25 to $24.95 per rental.

The key difference here is that the Amex Platinum card offers up to $75,000 in coverage, while the Amex Green card offers up to $50,000 in coverage.

Trip Interruption and Cancellation Insurance

The Amex Platinum card is one of the few cards that offers trip interruption and cancellation insurance — if your trip is disrupted for covered reasons, you can get reimbursed for up to $10,000 per trip and up to $20,000 every rolling 12 months.

The Amex Green card does not offer trip interruption or cancellation coverage.

Trip Delay Reimbursement

If your trip is delayed for covered reasons, you may file a claim for reimbursement of certain expenses incurred during your delay — the Amex Platinum card gets you up to $500 per trip if your covered delay is 6 or more hours.

The Amex Green card doesn’t offer trip delay reimbursement.

Baggage Insurance Plan

The Amex Platinum card boasts up to $3,000 in combined coverage for both carry-on baggage and checked baggage, with a limit of $2,000 for checked baggage.

Meanwhile, the Amex Green card’s baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage.

For New York State residents, there is an aggregate maximum limit of $10,000 for all covered persons per covered trip.

Concierge and Travel Assistance

When you hold the Amex Platinum card, you have access to Premium Global Assist — meanwhile, the Amex Green card confers access to Global Assist.

Both Global Assist and Premium Global Assist include:

  • Credit card cancellation
  • Emergency cash wire transfer that can be charged to your card
  • Embassy and consulate referral
  • Emergency legal and medical referral
  • Emergency transportation
  • Lost passport replacement
  • Medical prescription replacement assistance
  • Missing luggage assistance
  • Translation services
  • Urgent message relay to family and friends

Premium Global Assist also includes emergency medical evacuation services for the cardholder and covered family members, as well as repatriation of mortal remains, unaccompanied minors/visitors to bedside, and travel assistance post-evacuation.

Shopping Benefits

Woman grocery shopping
Image Credit: Dollar Gill via Unsplash

Purchase Protection

Both the Amex Platinum card and the Amex Green card offer purchase protection, which will come in handy if an item you purchased gets damaged, stolen, or lost shortly after you bought it.

In the case of the Amex Platinum card, you be reimbursed up to $10,000 per covered purchase and up to $50,000 in total reimbursements per calendar year if the occurrence happens 90 days or sooner after the date of purchase.

The Amex Green card also covers incidents that occur up to 90 days after purchase, but you can only get up to $1,000 per item in reimbursements and up to $50,000 per calendar year in reimbursements.

Extended Warranty

The Amex Platinum card entitles you to extended warranty protection, which covers up to 2 additional years in addition to the manufacturer’s warranty of up to 5 years, for eligible purchased items. This coverage is limited to $10,000 per occurrence and up to $50,000 per calendar year.

The Amex Green card covers you for up to 1 additional year in addition to the original manufacturer’s warranty of up to 5 years. The coverage amount is also limited to $10,000 per occurrence and up to $50,000 per calendar year.

Return Protection

If you make a purchase, aren’t satisfied with it, and attempt to return your purchase with the original merchant, only to get denied a return, the Amex Platinum card could help you get coverage for this rare event.

Currently, the Amex Platinum card’s return protection policy includes up to $300 per item and up to $1,000 per calendar year in return protection coverage.

The Amex Green card doesn’t carry any return protection.

Cell Phone Protection

If you’re prone to damaging or getting your phone stolen, the Amex Platinum card comes with complimentary cell phone protection, which kicks in as long as you charge your monthly cellular bill to the Amex Platinum card.

Currently, the Amex Platinum card allows you to get up to $800 in reimbursements per claim with a $50 deductible per claim and up to 2 approved claims every rolling 12 months.

Therefore, you can get up to $1,500 in cell phone protection reimbursements every year!

The Amex Green card doesn’t offer this benefit.

No Preset Spending Limit

Another feature we love about these 2 cards is no preset spending limit, which essentially means both of these cards do not have a traditional credit limit or credit ceiling.

Instead, based on your spending habits and the other information that Amex has surrounding your ability to pay your balances, your spending limit may adjust from month to month.

This can reduce the likelihood that your purchase will get declined at the register.

No Foreign Transaction Fees

Both the Amex Platinum card and Amex Green card have no foreign transaction fees.

Amex Offers

Amex Offers
Image Credit: American Express

Amex Offers is one of the best ways you can get additional rewards or savings at specific merchants. You can take advantage of amazing offers like earning +5 bonus points per dollar or 20% back on specific purchases, such as Marriott bookings or eating out at restaurants.

Both the Amex Platinum card and Amex Green card enjoy access to Amex Offers.

American Express Auto Purchasing Program

Amex has partnered with TrueCar to offer an online platform where you can shop used and new vehicles with an Upfront Price Offer so you know the real price you’ll pay before visiting the dealership.

Also, these dealers will allow you to put at least $2,000 towards the car on your Amex card, and potentially up to the full purchase price (admittedly, this is pretty rare in practice).

Both the Amex Platinum card and Amex Green card offer this benefit.

Annual Fees and Adding Additional Users

Annual Fees

The Amex Platinum card is an ultra-premium travel rewards card with a ton of benefits, so it only makes sense that it has an ultra-premium price tag to go along with it.

Specifically, the Amex Platinum card has a $695 annual fee, while the Amex Green card has a $150 annual fee.

Adding Additional Users

Both of these cards allow you to add additional cards.

With the Amex Platinum card, you can add an authorized user for $195 per card. These cards will still confer travel benefits to the authorized users, like lounge access and the ability to book stays at Fine Hotels & Resorts and The Hotel Collection.

If you want to add an authorized user card without an additional annual fee, you can add basic Gold cards, though these won’t come with the same travel benefits as the primary Amex Platinum card.

With the Amex Green card, you can add up to 5 authorized users for no additional charge, then $35 per each additional authorized user thereafter.

As always, the primary cardholder is liable for all charges made by authorized users.

Final Thoughts

The Amex Platinum card and Amex Green card share a surprising number of similarities. Both of them offer the ability to earn Membership Rewards points, which can be transferred to airline and hotel partners for luxury travel.

In addition, both of these cards have no preset spending limit, no foreign transaction fees, and other benefits like purchase protection and extended warranty.

However, the Amex Platinum card blows away the Amex Green card when it comes to travel and lifestyle benefits thanks to its lounge access perks, numerous statement credits, automatic hotel elite status, and even rental car privileges!

If you’re looking for a high-end card with robust travel benefits, the Amex Platinum card will suit you best. But if just want a card that earns Membership Rewards points without requiring you to pony up for a large annual fee, the Amex Green card can serve you well.

For the car rental loss and damage insurance benefit of The Platinum Card® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
 
For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of The Platinum Card® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of The Platinum Card® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit  americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the Premium Global Assist Hotline benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the extended warranty and purchase protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
 
For the return protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.

For the secondary rental car coverage benefit of the American Express® Green Card, Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

 

The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Centurion® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

What is the credit limit for an Amex Green card?

The Amex Green card doesn’t have a preset spending limit unlike a traditional credit card. Instead, its spending limit adjusts over time based on your purchasing habits and what Amex believes is your ability to pay your balances.

What Amex card is higher than the Amex Platinum card?

The card that’s more prestigious than the Amex Platinum card is the Centurion® Card from American Express, also known informally as the Amex Black card. All information about the Centurion® Card from American Express has been collected independently by Upgraded Points.

Can you upgrade Amex Green card to the Amex Platinum card?

Yes, you can! Just make sure your Amex Green card is at least 1 year old before attempting to upgrade to the Amex Platinum card. You can call the number on the back of your card to process the upgrade.

What income do you need for Amex Green card?

There isn’t a specific income number — rather, Amex wants to know that your balances can be paid off. For this reason, we recommend a credit score of at least 680 or above before applying for the Amex Green card.

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status