Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Amex GreenAmex GoldAmex Platinum
Annual fee
$150
$325
$895
Earns into
Amex Membership Rewards
Amex Membership Rewards
Amex Membership Rewards
Card type
Personal
Personal
Personal
Restaurants
3x points
4x pointsUp to $50,000 a year
1x points
Groceries
1x points
4x pointsU.S. supermarkets, up to $25,000 a year
1x points
Flights
3x pointsCounts as travel
3x pointsBooked directly with the airline
5x pointsBooked directly with the airline or through Amex Travel, up to $500,000 a year
Hotels
3x pointsCounts as travel
1x points
5x pointsPrepaid hotels booked through Amex Travel
Travel portal
1x points
1x points
5x pointsPrepaid travel booked through Amex Travel
Everything else
1x points
1x points
1x points
Who it fits
—
Households with a large, already-existing restaurant and supermarket line item.
Frequent flyers based near Centurion or Delta lounges who clear the recurring credits without changing plans.
Who it doesn't
—
Anyone who would have to change where they eat to claim the credits.
Two-trips-a-year travellers, and anyone who has to reroute spending to claim a credit.
Last documented change
Nothing documented
August 8, 2026Refresh raised the fee and added more narrowly-scoped merchant credits
August 14, 2026Annual fee moved to $895 alongside a rebundled set of credits
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.