Business Gold vs Business Platinum
Business Gold
$375/yr
7.5/10
VS
Business Platinum
$695/yr
5.5/10
Quick Answer
Business Gold charges $375/yr with 1X base rewards. Business Platinum charges $695/yr with 1X base rewards. Business Gold offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Business Gold
Lower annual fee ($375 vs $695)
Rewards Earning
Business Platinum
6 earning categories
Benefits & Protection
Business Gold
5 benefits vs 0
Statement Credits
Business Platinum
$1299 in annual credits
Flexibility
Business Gold
Transferable points to airline/hotel partners
OUR PICK
Business Gold wins for most people
The $320 fee difference is hard to justify unless you maximize premium benefits.
Apply for Business GoldPREMIUM PICK
Business Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Business PlatinumRewards Earning: Detailed Comparison
Business Gold
| Top 2 eligible categories | 4.0X (up to $150,000) |
| Everything else | 1.0X |
Business Platinum
| Flights & hotels (Amex Travel) | 5.0X |
| Eligible purchases $5,000+ | 1.5X (up to $2,000,000) |
| US construction material & hardware | 1.5X |
| US electronic goods retailers | 1.5X |
| US shipping providers | 1.5X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Business Gold (5 benefits)
- Baggage Insurance Plan (up to $3,000)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
Business Platinum (0 benefits)
No benefits data available