American Express Business Gold Card vs Business Platinum Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
American Express Business Gold Card
Estimated value every year on typical spending
$117/ year
Every year, after the annual fee. No welcome bonus.
Business Platinum Card
Estimated value every year on typical spending
$161/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending, the American Express Business Platinum Card comes out ahead: about $161 a year after its fee, against $117 for the American Express Business Gold Card.
- The American Express Business Platinum Card earns more on groceries, dining, gas, travel, everything else.
- The American Express Business Gold Card costs $520 less a year to hold.
Side by side
| American Express Business Gold Card | Business Platinum Card | |
|---|---|---|
| Annual fee | $375 | $895 |
| Rewards | 4X points on your top 2 eligible categories each month; 3X points on flights and prepaid hotels booked on AmexTravel.com | 5X points on flights and prepaid hotels booked through American Express Travel; 2X points on key business purchases; 1X points on other eligible purchases |
| Welcome bonus | 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. | AS HIGH AS 300,000 Membership Rewards Points after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership. |
| Credits counted | $242/yr | $470/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 17.99% to 28.74% variable | Not listed |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Excellent |
Yearly rewards by category
| Category (monthly spend) | American Express Business Gold Card | Business Platinum Card |
|---|---|---|
| groceries ($500) | $48 | $96 |
| dining ($400) | $38 | $77 |
| gas ($200) | $19 | $38 |
| travel ($300) | $29 | $144 |
| everything else ($1,200) | $115 | $230 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the American Express Business Gold Card or the American Express Business Platinum Card?
On typical spending the American Express Business Platinum Card is worth more: about $161 a year after its fee, against $117 for the American Express Business Gold Card. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The American Express Business Gold Card ($375 a year, against $895).
Which is better for groceries?
The American Express Business Platinum Card. On $500 a month of groceries it earns about $96 a year, against $48 with the American Express Business Gold Card.
Which is better for dining?
The American Express Business Platinum Card. On $400 a month of dining it earns about $77 a year, against $38 with the American Express Business Gold Card.
Which is better for travel?
The American Express Business Platinum Card. On $300 a month of travel it earns about $144 a year, against $29 with the American Express Business Gold Card.
Which is better for gas?
The American Express Business Platinum Card. On $200 a month of gas it earns about $38 a year, against $19 with the American Express Business Gold Card.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
Open CompareCard details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.