American Express Platinum (UK) vs American Express Gold Card (Germany)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | American Express Platinum (UK) | American Express Gold Card (Germany) |
|---|---|---|
| Annual fee | · £650 | €240 |
| Joining fee | = None | = None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = N/A | = 2% |
| Welcome bonus | 50,000 Membership Rewards points after £6,000 spend in three months | · N/A |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = £35,000 | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
American Express Platinum (UK)
- 1 point per £1, plus 1 more per £1 at American Express Travel Online
- Complimentary access to more than 1,550 airport lounges in over 140 countries
- From 1 January 2028, Priority Pass is limited to 20 visits a year (10 per supplementary cardmember) unless eligible spend reached £30,000 in the previous calendar year; other Global Lounge Collection lounges stay unlimited
- Up to £200 a year in dining statement credits in the UK and £200 abroad, enrolment required
- Wellness credits worth up to £350 a year across lululemon, Oura and Calm, enrolment required
American Express Gold Card (Germany)
- 1 Membership Rewards point per €1 spent
- €20 a month (€240 a year), Membership Rewards included
- A 2% foreign currency fee on payments outside the euro area
FAQ
›American Express Platinum (UK) vs American Express Gold Card (Germany): which is better?
It's a true tie, pick the one whose boost categories match your spend. American Express Platinum (UK) wins on 1 criteria, American Express Gold Card (Germany) on 1.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use American Express Platinum (UK) for its best categories, American Express Gold Card (Germany) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Platinum (UK): 50,000 Membership Rewards points after £6,000 spend in three months. American Express Gold Card (Germany) doesn't list a welcome bonus.