Capital One Platinum Secured vs. American Express® Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →WealthSpott Verdict
Capital One Platinum Secured wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on how you spend.
Feature
Capital One Platinum
American Express® Gold
Annual Fee
$0 Best
$250/yr
Sign-up Bonus
None
60,000 points
Rewards Rate
0%
1x-4x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable Best
See terms
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Not sure which card is right for you?
Browse all credit cards