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American Express® Business Gold Card vs The Business Platinum Card® from American Express

Two premium business credit cards, one with rewards flexibility, other with premium travel experience.

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Fact checked

The main difference between these cards is that the American Express® Business Gold Card offers flexibility on which category you earn 4x points, and it comes with a $295 annual fee. On the other hand, the The Business Platinum Card® from American Express is a travel-oriented card with 5x points on flights and prepaid hotels booked through Amex Travel, but it comes with a $595 annual fee.

The categories where you can earn 4x points with the Business Gold Card are:

  • Airfare purchased directly from airlines
  • US purchases for advertising in select media
  • US purchases at restaurants
  • US purchases at gas stations
  • US purchases for shipping
  • US computer hardware, software and cloud computing purchases directly from select providers

American Express® Business Gold Card

American Express® Business Gold Card

Rates & Fees

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Rates & Fees

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★★★★★

4.4 / 5.0
Best for
Best for
  • Extra rewards in categories you select
  • Luxury travel benefits for your business
Welcome offer
Welcome offer

35,000 points after spending $5,000 in the first 3 months

75,000 points after spending $15,000 in the first 3 months

Rewards
Rewards

4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases

5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases

Purchase APR
Purchase APR

14.24% to 22.24% variable

None (Charge Card)

Annual fee
Annual fee $295 $595
Cash advance
Cash advance N/A N/A
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period None None
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Charge
Learn more
Learn more

Summary of card features

American Express® Business Gold Card

American Express® Business Gold Card

  • Choose which two categories to earn more rewards in
  • 25% points back on Amex Travel flights up to 250,000 points back annually
  • Pay over time with interest or pay your full balance, whichever is best for your business

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

  • Welcome offer. Spend $15,000 on purchases in your first 3 months of card membership and get 75,000 bonus points.
  • Membership rewards. Get 5x points on prepaid hotels and flights through Amex Travel and 1x points on everything else you buy. For purchases of 5,000 and more, you’ll get 1.5x points — up to 1 million points per year.
  • Global Lounge Collection. Get access to more than 1,200 airport lounges worldwide, including the Centurion Lounge, International American Express lounges and Delta Sky Club when flying Delta. To get access to Priority Pass Select, Airspace and Escape lounges, you’ll need to enroll first.

Compare American Express business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
American Express Blue Business Cash™ Card
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
The Business Platinum Card® from American Express
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 75,000 points after spending $15,000 on purchases in the first 3 months from account opening. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
American Express® Business Gold Card
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
14.24% to 22.24% variable
$295
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees
The Plum Card® from American Express
1.5% discount when you pay early
N/A
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
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