What is the key difference between the AMEX Personal card and the Platinum card? Is one card better than the other? - Seedly
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Anonymous

Asked on 17 Mar 2020

What is the key difference between the AMEX Personal card and the Platinum card? Is one card better than the other?

This is my first time getting a credit card and I am thinking of getting an AMEX card.

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Kathlyn Laiu
Kathlyn Laiu, Community Associate at Seedly
Level 6. Master
Answered on 17 Mar 2020

The AMEX Platinum card definitely have more privileges than the personal card because after all, your annual fee is almost $1.6k more than the personal card.

On the AMEX Platinum card, you get $800 travel credits annually and even 75k membership rewards points when you spend $20k in the first 3 months. For the Personal card, it is pretty simple to earn reward points as well because you can get 2 membership reward points for every $1.60 spent.

For this being your first credit card, I believe the AMEX Personal card would be more feasible as the minimum spendings is lower and the card is simpler in general.

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