Difference Between The American Express Gold Card And The Premier Rewards Gold Card

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American Express is offering two similar looking cards for its customers: American Express Gold Card and Premier Rewards Gold Card. However, there is a huge difference between the two and you should choose one of the either based on what your actual needs are.

The most evident difference is the annual fee. It is slightly higher for the Premier Rewards Gold Card. The annual fee for American Express is Gold Card nil for the first year, and $160 afterwards. For Premier Rewards Gold Card, it is nil for the first year, but later on it is $195 per annum.

There is no fee for foreign transactions on both the cards. Also, both American Express Gold and Premier Rewards card members get preferred seating at select concerts and events.

The rewards rate varies a bit for the American Express Gold and Premium Rewards card though. For the former, it is 1 point for every dollar spent, 2 points on flight bookings, and 2 points at restaurants. At the same time, the Premier Rewards Gold Card gives 1 point for every dollar spent, which remains the same, but offers 3 points on flight tickets and 2 points at restaurants, gas stations, and supermarkets.

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So for an extra $35 per year, the Premier Rewards Gold Card from AmEx offers higher rewards, which is not that bad – especially, if you were a frequent traveler. In addition, the Premier Rewards Gold Card has a greater sign up bonus, and if you spend $2000 on purchases in the first three months, the first incentive would be 2500 points.

So what’s the verdict? Well for everyone, it depends on rewards and the annual fee. And for some, paying an extra $35 fee would be worth it if they get more reward points and a huge sign up bonus. And you can sell American Express points for cash too.

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