One earns big on what you eat. The other gets you into airport rooms with snacks. Here's the actual math, the fine print, and the verdict — read by AI every 6 hours, sanity-checked by people.
Plat wins more rounds, but Gold wins the round that matters most for most people: net annual cost. Unless you fly often, the lounge wins are worth less than the $370 fee gap.
Last reviewed 2026-05-08. Rewardopedia compares cards using publicly-listed terms. We may earn a referral if you apply through our links — always disclosed.