Business Gold vs Xbox
Business Gold
$375/yr
7.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Business Gold charges $375/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox 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
Xbox
Lower annual fee ($375 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
Business Gold
5 benefits vs 0
Statement Credits
Business Gold
$240 in annual credits
Flexibility
Business Gold
Transferable points to airline/hotel partners
OUR PICK
Xbox wins for most people
The $375 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM 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 |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 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)
Xbox (0 benefits)
See full review for benefits details.