American Express Gold Luxury Card Mastercard Black Card
American Express Gold
$325/yr
Luxury Card Mastercard Black Card
$699/yr
Every $1 · two cards
American Express Gold earns more in 8 of 9 categories · Luxury Card Mastercard Black Card in 0
- Dining4×8¢ per $1
up to $50,000/yr
1×1¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
1×1¢ per $1 - Gas1×2¢ per $11×1¢ per $1
- Flights3×6¢ per $12×2¢ per $1
via LuxuryCardTravel.com
- Hotels5×10¢ per $1
via amextravel.com
2×2¢ per $1via LuxuryCardTravel.com
- Everything else1×2¢ per $11×1¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Luxury Card
Mastercard Black Card
- Annual fee
- $699
- Network
- mastercard
- Welcome value
- $1,125
- Min spend
- $6,000 / 3mo
Top earning rates
- 2×Airfare · Luxury Card Rewards
- 2×Hotels · Luxury Card Rewards
- 1×All other purchases · Luxury Card Rewards
Key benefits
- Luxury Card Travel Hotel Benefits · $750
- Concierge Service · $250
- $200 Annual Airline Credit · $200
- Global Entry or TSA PreCheck application credit · $120
- $100 Annual Dining Credit · $100
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
Get my personal answer