Platinum Rewards Credit Card vs Gold Rewards Card

Side-by-side comparison of Platinum Rewards Credit Card and Gold Rewards Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Platinum Rewards Credit Card	Gold Rewards Card
Issuer	Golden 1 Credit Union	American Express
Network	Visa	American Express
Card Material	Plastic	Metal
Annual Fee	$0.00	$325.00
Base Rate	1.50%	1.00%
Travel Rewards	0.00x	3.00x
Auth. User Fee	$0.00	$35.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Gas Stations	3.0%	1.0% (base)
Supermarkets	3.0%	4.0%
Restaurants	3.0%	4.0%
Hotels	1.5% (base)	5.0%
Airline	1.5% (base)	3.0%
Resy	1.5% (base)	4.0%
Dunkin'	1.5% (base)	4.0%
Uber	1.5% (base)	1.0%
Grubhub	1.5% (base)	4.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	20 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	13.75% - 18%	12.74% - 21.74%
Cash Advance APR	18%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$15	$40
Balance Transfer Fee	N/A	N/A

Insurance & Protections

Auto Rental	Secondary	✓
Baggage Delay	—	—
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	90 days
Return Protection	—	—
Roadside Dispatch	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	✓
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard