New: Compare up to 3 cards side-by-side instantly Compare now →
American Express Business Gold Card vs The Platinum Card from American Express
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | American Express Business Gold CardAmerican Express | The Platinum Card from American ExpressAmerican Express |
|---|---|---|
| Rating | 4.4/5 | 4.8/5 |
| Annual Fee | $375 | $895 |
| APR | 19.49% - 28.49% | N/A (Pay Over Time: 19.49% - 28.49%) |
| Signup Bonus | 100,000 points after spending $15,000 in 3 months | As high as 175,000 points after spending $12,000 in 6 months (offer varies by applicant) |
| Rewards Rate | 4X on the 2 categories where your business spends the most each month (up to $150K/yr combined), 1X on everything else | 5X on flights and prepaid hotels via Amex Travel, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 4X on your top 2 business spend categories automatically each month 100,000 MR point bonus transfers to airlines and hotels at 2cpp+ 25% airline bonus when you book through Amex Travel | Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr) Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR) 5X on flights and prepaid hotels via Amex Travel |
| Cons | $375 annual fee with no offsetting credits $15,000 spend in 3 months is a high bar for the bonus $150,000 annual cap on 4X categories | $895 annual fee is steep without maximizing credits 1X on most non-travel spending Charge card — balance must be paid in full (Pay Over Time available) |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: The Platinum Card from American Express
With a 4.8/5 rating, the The Platinum Card from American Express edges out the American Express Business Gold Card (4.4/5). At $895/yr, the value proposition is strong. The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.