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Points Talk with the Travel Mom Squad

118. Going For the Gold or Picking Up Platinum: All About American Express Cards

Points Talk with the Travel Mom Squad

Alex, Pam and Jess

Places & Travel, Education, Society & Culture, How To

4.9 • 734 Ratings

🗓️ 4 March 2025

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

If you've been eyeing an American Express card but aren’t sure which one to get, you’re in the right place! In this episode, we break down two great personal cards—the American Express® Gold Card and The Platinum Card® from American Express—and two great business cards—the American Express® Business Gold Card and The Business Platinum Card® from American Express.  These powerhouse cards are key for earning American Express Membership Rewards®. We share our personal experiences with these cards, favorite card benefits, and what we’d recommend for anyone looking to maximize their points-and-miles strategy.

First, the Personal Card Breakdown

The American Express® Gold Card: The Food Lover’s Dream Card
Pam kicks things off by sharing why the American Express® Gold Card has been a staple in her wallet for years and how the benefits this card offers are amazing for foodies. 

The Platinum Card® from American Express: Travel Perks Galore
The Platinum Card® from American Express isn’t just a credit card; it’s a travel lifestyle. If you're a frequent traveler, this card's benefits can come in clutch. 

Up Next: Two Great Business Cards

American Express® Business Gold Card: Small-Business Winner
This card is perfect if you want flexible spending-category bonuses and great perks for small businesses (including office-supply stores). 

The Business Platinum Card® from American Express: Even More Travel Perks
A great go-to card for cell-phone insurance coverage & statement credits, plus travel benefits like lounge access a new Hilton credit. 

Credits & Perks: 
Jess breaks down the key differences between all the perks and credits, and whether they might make sense for you. As Alex puts it, "Don't let the credits stress you out. If using them feels like work, the card might not be worth it for you."

Pro Tips for Maximizing Your Cards
The Travel Mom Squad shares some expert tips to get the most value: elevated offers, reminders for monthly credits, and how to earn referral points.

Links:

Episode Minute By Minute:

  • 00:30 – Why we love American Express Membership Rewards® for travel
  • 01:00 – The personal cards
  • 02:30 – Restaurant benefits, quirks, and ice-cream cakes galore
  • 10:15 – Travel benefits: lounge access, travel perks
  • 17:00 – The key differences explained
  • 21:30 – The business-card breakdown
  • 24:30 – All about business welcome offers
  • 33:00 – How to inquire about retention offers
  • 38:30 – Our final verdict: which cards we keep and why

If you want to earn more American Express Membership Rewards®, this episode is a must-listen! Tune in to hear all the details, plus some hilarious behind-the-scenes stories about how we use our points for everyday treats and family travel.

 

Transcript

Click on a timestamp to play from that location

0:00.0

Today, we're discussing all things American Express Gold versus platinum.

0:04.6

Listen in as we take a deep dive into both and help you decide which one makes the most

0:08.9

sense for your situation.

0:10.8

Welcome to Points Talk with the Travel Mom Squad.

0:14.0

We are three moms who've discovered how to leverage credit card welcome offers to get

0:18.3

hundreds of thousands of dollars of travel expenses for nearly free.

0:22.6

We've used credit card points of miles to take vacations to places like Hawaii, Paris, Greece, Maldives, Japan, and so much more.

0:30.6

And the best part? We each still have 800 plus credit scores.

0:34.6

Imagine being able to take the vacation of your dreams for nearly free.

0:38.3

It's totally possible and we're here to show you how.

0:42.5

Let's talk points. So we love redeeming American Express membership rewards for flights, particularly

0:50.3

international business class flights. American Express is also the only bank that transfers directly to Delta, and they transfer

0:59.1

one to two to Hilton.

1:01.1

So there are several situations where Amex points could come in handy and make a lot of

1:06.6

sense for you and your travel plans.

1:09.4

Amex Gold and Amex Platinum, both personal and business, are great options for racking up American

1:15.5

Express Points.

1:16.6

And so we're going to get into the details of these cards.

1:19.2

First, we are going to start with the personal gold and platinum cards.

1:23.5

So Pam, why don't you kick it off with telling us about the details of the Amex personal gold and planet?

1:32.4

Okay, and I love my Amex membership rewards.

1:36.4

I cannot tell you how many times I have transferred to a partner and flown an international and business class.

...

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