Business Gold vs American Express® Gold Card
Business Gold
$375/yr
7.5/10
VS
American Express® Gold Card
$325/yr
7.5/10
Quick Answer
Business Gold charges $375/yr with 1X base rewards. American Express® Gold Card charges $325/yr with 1X base rewards. American Express® Gold Card offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Business Gold →
PointsPick may earn a commission. Disclosure
Apply for American Express® Gold Card →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
American Express® Gold Card
Lower annual fee ($375 vs $325)
Rewards Earning
American Express® Gold Card
4 earning categories
Benefits & Protection
American Express® Gold Card
6 benefits vs 5
Statement Credits
Business Gold
$240 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
American Express® Gold Card wins for most people
The $50 fee difference is hard to justify unless you maximize premium benefits.
Apply for American Express® Gold CardPREMIUM PICK
Business Gold wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Business GoldRewards Earning: Detailed Comparison
Business Gold
| Top 2 eligible categories | 4.0X (up to $150,000) |
| Everything else | 1.0X |
American Express® Gold Card
| Dining | 4.0X |
| U.S. Supermarkets | 4.0X (up to $25,000) |
| Flights | 3.0X |
| 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)
American Express® Gold Card (6 benefits)
- Trip Delay Insurance (up to $500)
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)