Gold or Platinum? Which card suits your lifestyle?

Membership Rewards means every purchase you make is of value. You collect points flexibly, which you can use for travel, miles, or lifestyle advantages. The welcome bonus helps you get started and speeds up the first points you redeem. This not only makes the cards worthwhile for everyday use, but especially beneficial if you travel regularly or you’d like to benefit from mileage options.

For many people, insurance is a deciding factor. The Gold Card offers reliable basic coverage, while the Platinum Card includes a significantly expanded package which also covers challenging travel situations and additional risks. The specific benefits can also depend on how the card is used. The applicable Terms and Conditions of Insurance for the card product apply. 

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Both cards can be used worldwide¹ and are easy to manage in the Swisscard app. Additional cards simplify the oversight over joint spending and increase the points collected with the principal card. The Gold Card is particularly convincing in everyday use, while the Platinum Card offers added convenience for multiple cardholders. On this basis, you can quickly see which card best fits your lifestyle.
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The Platinum Card is especially worthwhile if you travel frequently – whether for business or leisure. You benefit from status upgrades at leading hotel chains and complimentary access to a wide range of airport lounges.

If you only travel occasionally, the American Express Gold Card offers attractive advantages – including a Priority Pass with two complimentary lounge admissions per year for the cardholder. If you travel more frequently, however, the Platinum Card is worthwhile as it offers significantly more extensive services and additional travel advantages.

Both cards — whether Platinum or Gold — include Travel Inconvenience Insurance as well as Foreign Travel Medical Expenses Insurance. However, the scope of coverage differs. We therefore recommend carefully reviewing the coverage in relation to your personal travel situation. The General Terms and Conditions of Insurance for the respective card product apply.

The Platinum Card provides access to over 1,550 airport lounges worldwide through the American Express Global Lounge Collection®. Admission is complimentary for cardholders.

The American Express Platinum Card is ideal for those who value comfort, exclusive experiences and premium services. Frequent travelers and anyone who enjoys going out or using special offers in everday life enjoy the following advantages: VIP access to participating clubs with benefits such as free admission or welcome drinks, access to partner events and early-access ticket sales for concerts, discounted membership at Holmes Place Studios, special rates for spa and golf offers via the Platinum Travel & Lifestyle platform, and access to over 1,550 airport lounges worldwide through the American Express Global Lounge Collection®.

With the American Express Gold Card, Priority Pass membership is included at no additional cost. Two lounge visits per year are also available for the cardholder at no cost. Each additional visit costs 35 US dollars per person.

The American Express Gold Card is especially suitable for individuals who travel occasionally and would like to enhance their daily life and travel experiences with additional services. It offers a well-balanced package of Membership Rewards points, comprehensive travel insurance and everyday advantages. Thanks to the included Priority Pass membership with two complimentary lounge visits per year, occasional travelers also enjoy more comfort on their trips.