Amex Platinum Card vs. Goldman Sachs Amex Platinum Card [Detailed Comparison]

The Platinum Card^® from American Express is available in several versions, including the Platinum Card^® from American Express Exclusively for Goldman Sachs. The Goldman Sachs Amex Platinum card is available exclusively to Goldman Sachs Private Wealth Management clients. This guide compares its eligibility, fees, rewards, and benefits with the standard Amex Platinum card.

All information about the Platinum Card^® from American Express Exclusively for Goldman Sachs has been collected independently by Upgraded Points.

Quick Overview

The Amex Platinum card and the Goldman Sachs Amex Platinum card have the same annual fee, earning rates on Membership Rewards, statement credits, lounge access, and travel benefits. The Goldman Sachs Amex Platinum card is available only to Goldman Sachs Private Wealth Management clients, which typically requires $10 million or more in assets (Source: Goldman Sachs). The Amex Platinum card is open to the public.

The Goldman Sachs Amex Platinum card may offer a welcome bonus offer after you meet an annual spending threshold, but the benefits are otherwise identical (Source: American Express). For most people, the publicly available Amex Platinum card is a more practical choice.

Key Differences at a Glance

What’s The Same

The Amex Platinum card and the Goldman Sachs Amex Platinum card are almost exactly the same, including Membership Rewards earning, redemptions, and benefits.

What’s Different

There are only 2 features that distinguish the Goldman Sachs Amex Platinum card from the Amex Platinum card:

1. The Goldman Sachs Amex Platinum card can be much more difficult to qualify for than the Amex Platinum card.
2. According to the most recent data points, the Goldman Sachs Amex Platinum card also offers bonus points after a certain spending threshold is met.

Here’s an overview of the 2 card products:

Welcome Offer Valuations

The Amex Platinum card consistently offers an outsize welcome offer, and the Goldman Sachs Amex Platinum card generally matches it.

BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

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Platinum Card^® from American Express

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

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates & fees)
• Airline credit does not cover airfare (only incidentals like checked bags).

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Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

You earn a welcome offer of Membership Rewards points, which are worth around 2.2 cents per point when transferred to travel partners and when booking award travel. You can book flights on AmexTravel.com for about 1 cent per point.

Application Guidelines

To qualify for the Goldman Sachs Amex Platinum card, you generally need to be a client with at least $10 million in assets under management with Goldman Sachs Private Wealth Management.

Earning and Redemption

The earning structures for the Amex Platinum card and the Goldman Sachs Amex Platinum card are identical. Both cards earn up to 5x Membership Rewards points on purchases:

• Earn 5x points on flights booked directly with the airline or AmexTravel.com (up to $500,000 in purchases per calendar year, then 1x points).
• Earn 5x points on prepaid hotel bookings made through AmexTravel.com.
• Earn 1x points on other purchases.

Here are the main ways you can use Membership Rewards points:

• Transfer to airline and hotel partners (recommended for maximum redemption value).
• Book travel using Pay With Points via AmexTravel.com.
• Purchase gift cards, online shopping, statement credits, make charitable donations.

Redeeming your points with airline and hotel partners offers the most value per point. For example, a British Airways business class flight from New York to London might cost around $3,000 one-way and up to $8,000 round-trip. If there is award availability, you could transfer your points to Cathay Pacific Asia Miles, where the same round-trip business class flight costs 126,000 points plus around $818 in taxes and fees, netting you a redemption value of 1.7 cents per point.

Travel Protection and Benefits Comparison

The Amex Platinum card offers exclusive luxury travel benefits, and the Goldman Sachs Amex Platinum card’s benefits are identical to the standard Amex Platinum card (Source: American Express). Here is a breakdown of what you should expect from these 2 cards:

• Access to the American Express Global Lounge Collection (over 1,550 airport lounges around the world), which includes Centurion Lounges, 10 visits to Delta Sky Clubs (when flying on a same-day Delta flight) with the ability to unlock unlimited visits through spend, and Priority Pass Lounges (upon enrollment)
• Access to Fine Hotels + Resorts and The Hotel Collection, along with benefits such as 4 p.m. late checkout, complimentary breakfast, and room upgrades when available
• Hotel and rental car elite status with Hilton Honors, Marriott Bonvoy, Hertz Gold Plus Rewards, National Emerald Club, and Avis Preferred.
• Annual statement credits, including up to $200 in airline incidentals, up to $600 in prepaid hotel credits, up to $200 in Uber Cash, and up to $219 for CLEAR+
• Global Entry or TSA PreCheck application fee credits
• Travel insurance, including trip interruption and cancellation insurance, trip delay insurance, and baggage insurance plan
• No foreign transaction fees (rates & fees)

Some credits and benefits require enrollment, so be sure to explore your American Express account to make the most of your card.

Shopping Benefits and Protections

The Amex Platinum card and the Goldman Sachs Amex Platinum card offer shopping benefits and protections, including:

• Annual statement credits: Up to $300 for digital entertainment, up to $155 for Walmart+, up to $200 with Oura Ring, up to $300 with lululemon, and up to $400 with Resy (enrollment is required for these benefits)
• Global Dining Access by Resy
• Cell phone protection, which reimburses up to $800 per claim for covered damage and theft with up to 2 approved claims every rolling 12 months ($50 deductible per claim)
• Purchase protection, which covers eligible purchases that are lost, damaged, or stolen within the first 90 days after the purchase date (up to $10,000 per item and up to $50,000 per calendar year)
• Extended warranty, which covers eligible items that have an original manufacturer’s warranty of 5 years or less and extends the warranty by an additional year (up to $10,000 per item in coverage and up to $50,000 per calendar year)
• Return protection, which covers up to $300 per item and up to $1,000 per calendar year against eligible returns denied by the original merchant

Additional terms and conditions may apply for each of these benefits.

Annual Fees and Authorized Users

Annual Fee

The 2 cards have the following annual fees:

• Amex Platinum card: $895 annual fee (rates & fees)
• Goldman Sachs Amex Platinum card: $895 annual fee

Authorized Users

Both the Amex Platinum card and Goldman Sachs Amex Platinum card allow you to add authorized users (labeled as Additional Platinum Cards for the Amex Platinum card) for $195 per card (rates & fees).

However, you can add Companion Platinum Cards as a $0-annual-fee option (rates & fees).

The Companion Platinum Card doesn’t offer any airport lounge access benefits or other major benefits besides the Global Entry or TSA PreCheck application fee credit.

Final Thoughts

The Amex Platinum card and the Goldman Sachs Amex Platinum card are functionally identical, so the publicly available Amex Platinum card is the right choice for nearly everyone. The Goldman Sachs Amex Platinum card is worth it only if you’re a Goldman Sachs Private Wealth Management client and can earn the card’s annual spending-based bonus.