American Express® Gold Card vs PenFed Platinum Rewards Visa Signature® Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
$325
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
PenFed Points
Point Value
2.00¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryAmerican Express® Gold CardPenFed Platinum Rewards Visa Signature® Card
Dining & Restaurants8.00%
4x
2.55%
3x
Groceries8.00%
4x · $25,000 cap
2.55%
3x
Travel6.00%
3x
0.85%
1x
Gas Stations2.00%
1x
4.25%
5x
EV Charging2.00%
1x
4.25%
5x
Streaming Services2.00%
1x
2.55%
3x
Everything else2.00%
1x
0.85%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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