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Disney Cruise Line vs. Royal Caribbean: Which family-friendly cruise line is for you?
Erica Silverstein is the managing editor for TPG's cruise team. She’s covered the cruise industry for nearly 20 years and has sailed on more than 60 ships. Her work has appeared on Cruise Critic and in The Washington Post, Fodor’s and Let’s Go travel guides.
March 8, 2024 • 17 min read
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Quick summary
Disney Cruise Line and Royal Caribbean are top choices for family cruises, each offering distinct experiences.
Royal Caribbean features some of the world's largest ships with extensive attractions, diverse dining and a wide range of itineraries.
Disney Cruise Line is known for immersive themed entertainment, family-focused service and smaller ships with high-quality shows and character experiences.
Pricing tends to be higher on Disney cruises, while Royal Caribbean offers more options for different budgets and destinations.
What to consider
Royal Caribbean's largest ships offer the most attractions, but smaller ships have fewer family features.
Disney's cabins are designed for families, while Royal Caribbean's suite options are more varied and luxurious on newer ships.
Itinerary options and departure ports are more limited with Disney, and prices are generally higher compared to similar Royal Caribbean sailings.
What you'll miss from the article
A detailed comparison of onboard activities, cabin layouts, dining styles and tips for choosing the best cruise line for your family's needs.
Generated by AI with support from our editorial team.
If you’re planning a cruise vacation with kids, you’re likely focused on two brands: Disney Cruise Line and Royal Caribbean.
While other cruise lines cater to families, these two lines top the charts. Royal Caribbean is known for its humongous ships that are chock-full of family-friendly attractions, from waterslides and ice skating shows to huge kids clubs and adults-only solariums and sun decks. Disney is always top of mind for a family getaway, and the characters, quality of entertainment and family-focused service you’re used to in its parks and hotels carry over onto its cruise ships.
How do you make a decision when your vacation choice falls to Disney Cruise Line versus Royal Caribbean? The cruise lines are different in many ways — discover what sets the lines apart to determine which is the best for you.
Size of ships
ERICA SILVERSTEIN/THE POINTS GUY
Royal Caribbean is known for having some of the largest cruise ships in the world, including the 250,800-ton, 7,600-passenger titleholder, Icon of the Seas. Its Freedom, Quantum and Oasis Class ships are no joke either. Freedom Class ships measure roughly 156,000 tons and carry upward of 4,500 passengers at maximum capacity, Quantum Class ships measure 169,000 tons and accommodate 5,000 passengers, and Oasis Class ships measure a bit more than 225,000 tons and carry between 6,600 and 7,000 passengers.
As befitting their size, these ships are full of attractions and entertainment options, a range of cabins and suites at varying price points and multiple dining and drinking establishments.
The fleet does include smaller ships among its 28 vessels. The Vision and Radiance Class ships carry around 2,500 passengers when full. However, these ships lack many of the family-friendly attractions that Royal Caribbean is known for, and are also the vessels the line sends on longer voyages or based in secondary home ports, such as San Juan, Puerto Rico, and Baltimore. On many of these smaller ships, you’ll find more adults, though all will have kids clubs and welcome families.
Disney Cruise Line has a much smaller fleet with only five ships (soon to be six by late 2024). These ships come in three sizes: the 83,000-ton Disney Magic and Disney Wonder carry 2,713 passengers at maximum capacity; the 130,000-ton Disney Dream and Fantasy carry 4,000; and the 144,000-ton Disney Wish (and its soon-to-debut sister, Disney Treasure) can also accommodate 4,000. That puts its larger ships on par with Royal Caribbean’s Freedom Class.
Unlike Royal Caribbean, Disney’s smaller ships still bring all the Disney magic, including waterslides, family-friendly dining options and all the Disney character and princess encounters you could wish for.
A panoramic ocean-view cabin. ERICA SILVERSTEIN/THE POINTS GUY
Both Royal Caribbean and Disney Cruise Line ships offer a range of cabin and suite categories, so travelers can choose the amount of space, layout and price point that works for them.
Both cruise lines divide cabins generally into windowless inside cabins (on both lines, certain ships have digital screens that simulate windows, displaying video from outside the ship), ocean-view rooms with porthole or picture windows that do not open, balcony cabins with private verandas and suites with extra space and VIP amenities.
Both lines offer top-level cabins and suites with access to exclusive lounges and deck space and the services of a concierge. You can find these Concierge-level rooms on all Disney cruise ships, but Royal Caribbean’s Suite Class is only offered on its newest classes of ships (Icon, Oasis and Quantum).
All of Disney Cruise Line’s cabins were designed with families in mind. Most have a split bath design, with a sink and toilet in one room and a tub-shower combo and sink in another. They have room-dividing curtains and plenty of extra berths, with sofabeds and pulldown bunks. Royal Caribbean does have some family cabins fleetwide, especially on Icon of the Seas, but the majority of its rooms were not created with families of three and four in mind.
A cabin on Disney Wonder. SUMMER HULL/THE POINTS GUY
Royal Caribbean is your line if you’re looking for over-the-top suites on the biggest ships. The collection includes stunning two-floor suites, including the Ultimate Family Townhouse and Ultimate Family Suite on Icon and Oasis Class ships which are a kid’s dream accommodation.
Royal Caribbean also has some quirky cabins you might find fun, including ocean-view and balcony rooms that look onto the open-air, interior “neighborhoods” on Oasis and Icon Class ships, such as the fun-loving Boardwalk, leafy Central Park and kid-friendly Surfside. Icon of the Seas has new Infinite Balcony cabins, which have extra interior space and a glass wall that rolls down halfway (like a car window) to bring fresh air into the room.
Neither Royal Caribbean nor Disney Cruise Line is known for amazing food across the board; however, both have restaurants that will wow you.
When comparing Disney Cruise Line versus Royal Caribbean on dining, Royal Caribbean is your best bet, especially on its larger ships, if you want a lot of dining variety and don’t mind paying extra for certain meals. Disney Cruise Line is the winner for family-focused restaurants and some amazing adults-only restaurants.
All Royal Caribbean ships include three meals a day in its multideck, banquet-style main dining rooms and Windjammer Marketplace buffets. Ships will also have a couple of additional included venues for snacks and fast-casual meals, such as cafes (with extra-fee coffee), Sorrento’s pizza and El Loco Fresh for Mexican fare.
If you’re willing to pay, you’ll find nearly everything you could wish for: sushi and hibachi, steak, seafood, Italian, Southern, Johnny Rockets, pub fare and inventive dishes created using molecular gastronomy. Suite Class guests have access to an elevated, intimate dining room called Coastal Kitchen.
Disney Cruise Line takes a completely different approach to dining. Each of its ships features three included sit-down restaurants, and passengers are given a schedule of which venue to visit on which night. Your waiters rotate through the dining rooms with you, so they can get to know your preferences. The eateries are often themed to Disney movies or characters and might have a stage show or other entertainment as part of the fun.
In addition, a buffet is open for breakfast and lunch, along with all-day dining at poolside, grab-n-go venues for things like pizza, burgers and sandwiches.
Adults can seek a quieter, more romantic meal in Disney’s various adults-only, extra-fee restaurants, including the Italian Palo and the French Remy or Enchante. At $50 per person, Palo is a great value for brunch and dinner with all-you-can-eat options from an extensive menu, all of very high quality. On the flip side, Remy and Enchante are among the most expensive specialty restaurants at sea.
Both cruise lines offer room service, but Disney’s is included in the fare, while you have to pay extra on Royal Caribbean.
Kids activities
The Oceaneer Club on Disney Wish. AMY SMITH/ DISNEY CRUISE LINE
Both cruise lines excel at entertaining kids (especially on Royal Caribbean’s bigger and newer ships), but the lines take different approaches here as well. To start, both Disney Cruise Line and Royal Caribbean have large kids clubs on their ships, with separate spaces for kids and teens, as well as extra-fee nurseries for the littlest cruisers.
Disney’s Oceaneer Club and Lab are expansive play spaces themed to Disney, Pixar and "Star Wars" characters. You can play in Andy’s Room from “Toy Story” or fly the Millennium Falcon in a “Star Wars” simulation. Activities range from arts and crafts and science experiments (like making goop) to playing video games or digital entertainment on the Magic Play Floor. Tweens and teens each have separate hangouts with lots of games and hangout space.
SeaPlex on Odyssey of the Seas. ROYAL CARIBBEAN
On Royal Caribbean ships, teens and tweens share a hangout, and the cruise line is experimenting with new programming to host activities around the ship for this picky age group. Kids still congregate in Adventure Ocean with multipurpose spaces for sports, games and crafts and plenty of high-tech entertainment. Newer ships have separate artist’s studios, theaters, science labs and game space.
And, of course, both cruise lines plan kid and family activities around the ship, outside of the drop-off kids programming in the clubs. On Disney Cruise Line, families can take photos with their favorite characters and princesses, enjoy family trivia and karaoke, and attend events like a Pirate Night deck show or dance parties in the main atrium. Royal Caribbean might offer a family festival with games and face painting or field day-style competitions.
Icon of the Seas. ERICA SILVERSTEIN/THE POINTS GUY
Disney might be a wiz at theme parks, but no cruise line does onboard attractions better than Royal Caribbean. Look to its biggest, newest ships for wow-factor attractions, including a FlowRider surf simulator, waterslides (including a six-slide water park on Icon of the Seas) and giant dry slides, escape room, ice skating rinks, laser tag pop-ups, bumper cars (on Quantum Class ships), zip lines, rock climbing walls and sky diving simulators.
However, its Vision and Radiance Class ships take a more traditional, pared-down approach to onboard attractions, focusing on pools and hot tubs, the casino and the spa. Choose your ship carefully if you have certain whiz-bang attractions on your to-do list.
Disney Cruise Line ships will have a water ride or slide or two, indoor and poolside movie theaters and a spa, but don’t expect the over-the-top attractions of a Royal Caribbean ship. The line focuses more on activities than attractions and lazy days by the pool.
Disney Dream's “Beauty and the Beast." STEVEN DIAZ/DISNEY CRUISE LINE
When you compare the entertainment of Royal Caribbean vs. Disney Cruise Line, you’re not going to get a clear winner. Both lines excel at entertainment but — this won’t surprise you — the two lines have different strengths when it comes to onboard shows.
Disney Cruise Line knows how to turn out high-quality shows, and each ship will offer three original Broadway-style musicals in its onboard theater. Some of them are musical versions of favorite animated classics, such as “Beauty and the Beast” and “Tangled.” Other shows combine characters and songs from the Disney playbook to create original shows, like “The Golden Mickeys.”
Disney is also known for captivating top-deck events, such as its Pirate Night shows, complete with fireworks, rappelling pirates and Mickey and friends dressed in their pirate best. Its ships run classic Disney movies on its poolside screen and first-run shows from the entire Disney portfolio in the indoor movie theaters. Adult entertainment in the lounges at night might include interactive game shows, karaoke, live music or even a solo show from a cast member.
Royal Caribbean also gets high marks for its stage shows, which range from shortened versions of Broadway musicals to original song-and-dance revues. Some ships have separate clubs where guest comedians perform, ice rinks for original Ice Capades-style shows and AquaTheaters for innovative acrobatic-diving-dancing performances. Expect high-tech effects, including the use of robotics, to enhance the entertainment.
The cruise line employs numerous musicians, including pianists who perform at the Schooner Bar, Dueling Pianos bar and even in the elevator and other unexpected locations (you never know where the Stowaway Pianist will appear). Ships with Royal Promenades host festive parades, dance parties and midnight balloon drops.
Who is on board?
The Lime and Coconut bar on Oasis of the Seas. TIM AYLEN/ROYAL CARIBBEAN
Disney Cruise Line unsurprisingly attracts a lot of families, especially families with little kids in that princess-worshipping sweet spot, as well as multigenerational families. However, the line also attracts its fair share of adult couples, friends and families with grown children. It’s not uncommon to find couples celebrating an onboard wedding or their honeymoon.
What most of these Disney passengers share is a love of the brand, whether that’s the characters and movies or Disney’s obsession with high-quality entertainment. Also, Disney cruises don’t come cheap, so families tend to be well off, or they’ve saved for years for a special trip.
Royal Caribbean sees a larger variety of passengers across its fleet due to multifaceted ships and a wide range of cruise fares. You’ll find families with kids of all ages (including adult ones), couples celebrating milestones from weddings to retirements, and lots of bachelor and bachelorette parties, spring breakers and girlfriend getaway groups. Who is on board will vary depending on the ship, the time of year and the length and destination of the cruise.
If you want a more adult environment, look for smaller or older ships, longer itineraries and off-peak travel times. If you want to find families, look for weeklong cruises sailing during school breaks. The party crowd and younger friend groups gravitate toward the super-short three- or four-night or weekend itineraries.
A Floating Cabana on Perfect Day at CocoCay. TIM AYLEN/ROYAL CARIBBEAN
Disney Cruise Line ships mainly sail to the Caribbean and Bahamas on weeklong or shorter sailings. Three- and four-night cruises from Florida home ports, especially Port Canaveral, are ideal for tacking onto short visits to Disney World in Orlando.
Disney Wonder is the cruise line’s Pacific-based ship. It sails to Mexico, Alaska, Australia and New Zealand, the South Pacific and Hawaii (the latter as repositioning cruises). Disney Dream is the line’s transatlantic ship. It sails to the Caribbean and Bahamas from Florida, but also crosses the ocean to offer European cruises (Mediterranean, Norwegian fjords, Western Europe).
Disney has previously offered Bermuda and Canada/New England cruises from northeastern U.S. home ports but does not currently have any on its schedule.
With a much larger fleet, Royal Caribbean has a much more diverse itinerary roster, but its focus is mainly the Caribbean, the Bahamas and Europe. In the summer, the line might base a dozen ships in the islands, half as many in Europe and four in Alaska, with the rest sailing to places like Bermuda, Canada and New England, Mexico and Asia. It can offer ship and itinerary options within one cruise region at the same time, whereas Disney might only have one ship sailing one route.
Royal Caribbean also offers cruises to the South Pacific, Pacific Northwest, Australia and New Zealand, Hawaii and Panama Canal, as well as transatlantic and transpacific crossings to move ships to new home ports.
You’ll also have a wider selection of departure ports in the U.S. with Royal Caribbean. Its ships sail from secondary home ports, such as Baltimore, Boston, Cape Liberty (Bayonne, New Jersey), Galveston, New Orleans and Tampa, as well as the major Florida ports, Los Angeles, Seattle and Vancouver.
As part of the Alaska itinerary, Disney Cruise Line guests experience the unparalleled natural beauty of the Tracy Arm Fjord. MATT STROSHANE/DISNEY CRUISE LINE
Perhaps because Disney Cruise Line has far fewer ships to fill than Royal Caribbean, its prices are generally much higher on similar itineraries. For example, at press time, the cheapest seven-night Caribbean cruise you can book on Disney Cruise Line starts at $1,449 per person, based on double occupancy and not including taxes and fees. Royal Caribbean’s cheapest weeklong cruise starts at $377 per person.
However, Royal Caribbean’s newest ships are very much in demand, and pricing can rival Disney’s. The cheapest seven-night cruise on the line’s recently debuted Icon of the Seas starts at $1,723 per person; its 2025-arriving sister Star of the Seas isn’t much more affordable, with rates starting at $1,677.
Bottom line: Disney Cruise Line vs. Royal Caribbean
If you’re looking at Disney Cruise Line versus Royal Caribbean for your next vacation at sea, you can’t go wrong with either line.
Choose Disney Cruise Line if you’re a huge Disney fan or are traveling with kids who are. Choose that line if you prefer smaller ships that are still kid-focused but offer plenty of adults-only spaces. Finally, book a Disney if you can afford the high fares and if your preferred destination and travel dates match up with the line’s more limited schedule.
Choose Royal Caribbean if you like big ships and cruises that appeal to all ages and interests or if you’re looking for smaller ships and are fine with older ships and more traditional onboard activities. If you need a wide variety of itineraries to choose from, are looking to cruise to more far-flung destinations or need options for affordable rooms or a wide selection of suites, Royal Caribbean is the line for you.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
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Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
