Battle of the Amex Business Cards: Gold vs. Platinum

In the American Express lineup of small-business cards, the American Express® Business Gold Card and The Business Platinum Card® from American Express are two popular offerings. Each card is tailored to meet the needs and goals of different cardholders, with unique benefits and features.

The Amex Business Gold card recently underwent a refresh of benefits, including an increase in the annual fee, while the Business Platinum Card received its own overhaul in 2021. Let’s compare these two cards to see how they stack up against each other.

The Amex Business Gold Card currently offers a welcome bonus of 70,000 Membership Rewards points after spending $10,000 on eligible purchases within the first three months of card membership. On the other hand, the Business Platinum Card offers a welcome bonus of 150,000 Membership Rewards points after spending $20,000 on eligible purchases in the first three months.

When it comes to earning rates, the Amex Business Gold Card allows cardholders to earn 4 points per dollar in two categories, while the Business Platinum Card offers 5 points per dollar on flights and prepaid hotels booked with Amex Travel.

In terms of benefits, the Amex Business Gold Card provides statement credits for eligible purchases at FedEx, Grubhub, and office supply stores, while the Business Platinum Card offers a range of statement credits with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

Overall, the Business Platinum Card shines with its outstanding range of statement credits and travel perks, making it the winner in this comparison. However, the Business Gold Card is better suited for small-business owners looking to maximize points on everyday business spending. Depending on your business needs, you may even consider getting both cards to maximize your award travel possibilities.