Business Gold vs Platinum
Business Gold
$375/yr
7.5/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Business Gold charges $375/yr with 1X base rewards. Platinum charges $895/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 $895)
Rewards Earning
Platinum
3 earning categories
Benefits & Protection
Platinum
9 benefits vs 5
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Business Gold wins for most people
The $520 fee difference is hard to justify unless you maximize premium benefits.
Apply for Business GoldPREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
Business Gold
| Top 2 eligible categories | 4.0X (up to $150,000) |
| Everything else | 1.0X |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| 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)
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status