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Gold Card and Platinum Card in comparison

Which American Express credit is for you – the Gold Card or the Platinum Card? The credit card comparison shows which card is best suited to you and provides an overview of its numerous advantages. Find out which card suits your lifestyle here.

Eine Person steht in einer Höhle und schaut auf eine idyllische Waldlandschaft. Im Vordergrund sieht man eine platinfarbene und eine goldene Kreditkarte von American Express.
rklinkow
Written by Ricarda Klinkow 14.05.2025

Which one should you take with you on your travels: the Platinum Card or the Gold Card?

Both the Gold Card and Platinum Card offer a wide range of benefits for American Express customers. Find out which card is right for you with our comparison.

The benefits of the Platinum Card are particularly attractive if you travel a lot – whether it’s for business or pleasure. This credit card offers numerous travel benefits that are clear as soon as you plan your vacation. The Platinum Card increases your anticipation for your next adventure.

The Hotel Collection and Fine Hotels + Resorts hotel programs from American Express offer you special advantages at selected hotels. These include room upgrades and a free breakfast for two. And thanks to higher guaranteed statuses in hotel loyalty programs, Platinum Card or Gold Card holders also enjoy attractive advantages at exclusive hotel chains.

With a Platinum Card, you always travel in comfort: Priority Pass membership gives you unlimited access to numerous lounges at airports worldwide, which is the perfect way to relax before departure. You also benefit from top conditions with participating airlines in the International Airline Program as well as status benefits at car rental partners with vehicle upgrades.

Useful travel benefits with the Gold Card

For those who travel occasionally, the Gold Card from American Express offers useful travel benefits. With the Priority Pass, it offers free access to airport lounges twice a year.  

Save on your road trip with the Gold Card: Customers get a 10% discount on rental cars from Rentalcars.com.  

American Express Gold Card auf einem Tisch neben einem Teller mit Pizza

Carefree when on the road

American Express customers enjoy exceptional protection both when traveling and in their everyday life thanks to the comprehensive insurance benefits offered by both credit cards. The Gold Card and Platinum Card include Travel Inconvenience Insurance and Foreign Travel Medical Expenses Insurance.

Platinum Cardholders are comprehensively covered with Travel Cancellation and Curtailment Insurance as well as Loss Damage Waiver for Rental Cars. 

Nahaufnahme einer Hand, die ein Smartphone hält, auf dem Display ist eine Platinum Card von American Express zu sehen

Pay easily and securely with American Express

With American Express credit cards, you can make easy and secure contactless payments or withdraw cash at millions of acceptance points worldwide. You are also protected when shopping online thanks to 3-D Secure. And you can keep track of all your bookings via the Swisscard app.

Our customer service team is available around the clock to answer questions about unusual transactions. And best of all: Thanks to Purchase Protection Insurance and extended guarantee, purchases paid for with the Gold Card or Platinum Card are automatically insured. 

Dining credit in comparison: Enjoy yourself with the Gold Card and Platinum Card

American Express credit cards are the perfect choice for anyone who likes to enjoy themselves and try out new restaurants: The Gold Card and Platinum Card boast exclusive dining benefits.

With the Gold Card, customers get a Dining Credit worth CHF 25 per quarter, which can be redeemed on purchases of CHF 80 or more at restaurants and on food delivery services in Switzerland.

Customers with the Platinum Card benefit even more: With the "Platinum Dining Credit" they get a credit worth CHF 40 if they spend more than CHF 250 at a GaultMillau restaurant that accepts American Express.

The Dining Credit is easily redeemed: If you pay by credit card, the credit takes place automatically. 

Nahaufnahme eines gedeckten Restauranttischs direkt am See

Card benefits comparison: the credit card for your lifestyle

Platinum Card

If you like to go out and you’re active, the Platinum Card is the right choice of Amex card. Among other benefits, the Platinum Card offers you the following exclusive advantages:

  • VIP access to participating clubs and goodies such as free entry and welcome drinks at lounges
  • Access to exciting partner events and early sales offers for concerts and more
  • Discounted membership at Holmes Place studios
  • Advantages such as special conditions for spa treatments or golf offers through the Platinum Travel & Lifestyle platform 

Gold Card

The Gold Card is the right card for anyone who wants to cozy up at home with their loved ones. With the streaming benefit, Gold Card customers benefit from special conditions at blue SuperMax for streaming the latest series and blockbusters on Disney+, Paramount+ and Sky Cinema.  

Nahaufnahme einer Hand, die ein Smartphone hält, auf dem Display ist eine Platinum Card von American Express zu sehen

Valuable points with Membership Rewards

With the Gold Card and the Platinum Card, you collect valuable points with every payment via the Membership Rewards bonus program. These points do not expire and can be redeemed flexibly for attractive rewards and travel bookings at a later date. And purchases paid for by credit card can also be conveniently settled with points via the Swisscard app. Bonus points can also be transferred to partner programs.

Cost comparison of both credit cards  

American Express has exciting and attractive benefits in store for Platinum Card customers. The annual fee of CHF 900 for the card quickly pays for itself.

In addition to the principal card, you get several additional cards to share the benefits: an additional Platinum Card and up to four additional cards as a Gold Card or American Express Card. American Express gives you a welcome bonus after your successful application: In the first year, you only pay half the annual fee and receive 45,000 Membership Rewards points on top.

New Gold Card customers can also look forward to a bonus: With this card, you get an extra 15,000 Membership Rewards points and only pay half the usual annual fee of CHF 350 in the first year.  

Gold Card or Platinum Card: the right credit card for your lifestyle

American Express has the right credit card for every lifestyle. The high-quality Platinum Card offers generous advantages, regardless of whether you use your card for traveling, shopping or dining out. If you value an exclusive lifestyle, you’ll find the right everyday companion with the Platinum Card. Apply for a Platinum Card here.

With the Gold Card, customers enjoy useful advantages: from streaming credit and Dining Credit through to insurance policies that make everyday life and travel easier. Interested? Apply for a Gold Card here

You might also be interested in

American Express® Gold Card

The American Express® Gold Card offers many benefits when traveling, dining and shopping. Pay securely while traveling worldwide and benefit from travel services such as lounge access, dining and shopping credits, comprehensive insurance and 15,000 Membership Rewards welcome points.

American Express Platinum Card®

The metal American Express Platinum Card is precisely finished, timeless and robust. With its exclusive advantages, it is the perfect companion when traveling and in your daily life. For the life you love.

Platinum Travel & Lifestyle Service

As an American Express Platinum Card member, you enjoy access to exclusive travel benefits and unique experiences with Travel & Lifestyle Service.

american-express-platinum
Apply for an American Express Platinum Card

Apply for an American Express Platinum Card