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All comparisons
Head-to-head, 2026

American Express Green American Express Platinum

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Green

American Express

Green

Annual fee
$95
Network
amex
Welcome value
~$500
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Restaurants worldwide · Membership Rewards
  • 3×Transit · Membership Rewards
  • 3×Travel · Membership Rewards
  • 1×Other purchases · Membership Rewards

Key benefits

  • $219 CLEAR+ credit · $219
  • Car rental loss and damage insurance · $0
  • Global Assist Hotline · $0
  • Purchase protection · $0
  • No foreign transaction fees · $0
Full American Express Green review

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Prepaid hotels (AmexTravel.com) · Membership Rewards
  • 5×Flights · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • $219 CLEAR+ Credit · $219
Full American Express Platinum review

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.

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