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Card vs Card Comparison

Amex Business Gold
vs
Amex Gold.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Business Gold

Annual fee

$375

Points

Membership Rewards

Signup bonus

70K points after $10K in 3 months

Top earning rates

  • →4x on top 2 business spending categories each month (up to $150K per year)
  • →Categories include US advertising, US gas, restaurants, electronics, transit, and software
  • →3x on flights and prepaid hotels on Amex Travel

Top perks

  • →$240 flexible business credit (split monthly across 6 partners)
  • →$155 Walmart+ credit
  • →$20 monthly tech credit (Adobe, FedEx, Hubspot, etc.)
See Amex Business Gold detailsarrow_forward

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K points after $6K in 6 months

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

The verdict

When each card wins.

Amex Business Gold wins if

Pick this if your business spends heavily in 1 or 2 categories that match the bonus list.

Honest downside: If your business spending is evenly spread, you will not max out the 4x and the fee is hard to justify.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

At a glance

Side-by-side spec sheet.

SpecAmex Business GoldAmex Gold
Annual fee$375$325
Points currencyMembership RewardsMembership Rewards
Signup bonus70K points60K points
Top earn category4x on top 2 business spending categories each month (up to $150K per year)4x on restaurants worldwide
Second earn categoryCategories include US advertising, US gas, restaurants, electronics, transit, and software4x on US supermarkets (up to $25K per year)
Third earn category3x on flights and prepaid hotels on Amex Travel3x on flights booked direct or on Amex Travel
Signature perk$240 flexible business credit (split monthly across 6 partners)$120 Uber Cash ($10 per month)
IssuerAmerican ExpressAmerican Express

Questions

Frequently asked.

Which is better, Amex Business Gold or Amex Gold?

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Amex Business Gold wins if your business spends heavily in 1 or 2 categories that match the bonus list. Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Can I have both the Amex Business Gold and the Amex Gold?

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Both cards are issued by American Express, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Amex Business Gold or Amex Gold?

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Amex Business Gold has the higher annual fee at $375, compared to $325 for Amex Gold. Whether the pricier card is worth the difference depends on which credits and perks you use each year.