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American Express Business Gold Card vs Chase Freedom Unlimited
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Business Gold CardAmerican Express | Chase Freedom UnlimitedChase |
|---|---|---|
| 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 | $250 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 travel via Chase, 3% on dining & drugstores, 1.5% 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 | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point 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 | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the American Express Business Gold Card (4.4/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.