New: Compare up to 3 cards side-by-side instantly Compare now →
American Express Business Gold Card vs Chase Freedom Flex
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | American Express Business Gold CardAmerican Express | Chase Freedom FlexChase |
|---|---|---|
| Rating | 4.4/5 | 4.6/5 |
| Annual Fee | $375 | $0 |
| APR | 19.49% - 28.49% | 18.24% - 27.74% |
| Signup Bonus | 100,000 points after spending $15,000 in 3 months | $200 bonus after spending $500 in 3 months |
| Rewards Rate | 4X on the 2 categories where your business spends the most each month (up to $150K/yr combined), 1X on everything else | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else |
| Credit Score | good | good |
| 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 | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers |
| 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 | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Chase Freedom Flex
With a 4.6/5 rating, the Chase Freedom Flex edges out the American Express Business Gold Card (4.4/5). No annual fee makes it easy to justify. The Chase Freedom Flex combines rotating 5% categories with permanent 3% on dining and drugstores. It's a no-fee powerhouse that pairs with Sapphire cards to unlock travel transfer partners.