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Amex Business Gold vs. Platinum: Best Credit Card for Your Business?


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It’s essential to pick the right credit card for your business. You want one that does what you need and gives you extra goodies. We’re comparing the American Express Business Gold and Platinum cards to see which might be the best for you.

Annual Fees

First things first, let’s talk about how much they cost. The American Express Business Gold Card charges $375 a year, and the Platinum goes up to $695. Yes, the Platinum is pricier, but does it give you enough cool stuff to make it worth it?   Here’s where it gets exciting. The Gold Card offers 70,000 points if you spend $10,000 in the first three months. Pretty good. But the Platinum Card is even more significant, giving you 120,000 points for spending $15,000 in the first three months. If you spend a lot on your business, those extra points help.    

Earning Rewards Simplified

  Both Amex cards focus on travel, but the Gold Rewards card covers more areas. You get two Membership Points for every dollar spent on gas, groceries, drugstores, flights, hotels, car rentals, and cruises. All other buys give you one point per dollar. The Platinum card is similar, offering two points per dollar on dining, food delivery in Canada, flights, hotels, and tours. Everything else earns one point per dollar. Both cards also give an extra point per dollar on travel or hotel bookings through American Express Travel Online.  

Top Choice for Earning: American Express Gold Rewards Card

Travel Perks Breakdown

Both the Gold and Platinum cards offer great travel benefits, but the Platinum has a bit more to offer.    Platinum cardholders get a $200 yearly travel credit, access to over 1,300 airport lounges worldwide, and a $100 credit for NEXUS fees. They also enjoy hotel perks worth about USD 550, like complimentary breakfast for two, late checkout, and possible room upgrades.   Both cards come with travel insurance for medical needs, trip interruptions, flight delays, and lost luggage. However, Platinum offers more coverage, like $1,000 for flight delays, compared to Gold’s $500. Best for Travel: The Platinum Card  

Lifestyle Benefits Comparison

Each Amex card has cool lifestyle benefits, like early access to tickets and deals on shopping and wellness. However, the Platinum card gives more value, with a $200 yearly dining credit and another $200 in credits or rewards with specific brands.   Top Pick for Lifestyle: The Platinum Card

Expanding on the Benefits: A Closer Look

Picking a business credit card is more than just the points and rewards. It’s about what those benefits do for you and your business. The Gold Card is great for companies that spend a lot on ads or shipping, turning those expenses into savings or even something big you want to buy.   On the other hand, the Platinum Card gives you VIP treatment. It’s ideal for frequent travelers, offering airport lounge access and hotel upgrades. Platinum also provides top-notch service, a big plus for busy business owners.   So, which card should you go for? The Platinum card could be perfect if you’re all about travel and are okay with spending on luxury. But if your goal is to max out rewards on the business expenses you’re already making, the Gold card might be your ticket to save money.  

How to Get Your American Express Card:

Getting these cards is pretty straightforward. Having a good credit score and a strong business would be best. For the Gold Card, you can register here and earn 70,000 Membership Rewards points by spending $10,000 in the first 3 months. For the Platinum, register here and earn 120,000 Membership Rewards points by spending $15,000 in the first 3 months.   Remember, the Gold Card costs $395 a year, and the Platinum costs $695, but you get many points and benefits with them.    

Making the Decision: What’s Best for Your Business

Choosing between the Gold and Platinum cards depends on your business’s needs. If it’s a luxury travel and premium perks, go for Platinum. If you’re focused on maximizing  your spending on everyday business expenses, Gold might be better.   The best credit card for your business matches your spending habits and rewards you where it matters most. Whether Gold or Platinum, the right choice supports your business’s growth.

But What If Neither Seems Right?

Are you starting out or stressed by high fees? It might be time to check out other options. Not every business will benefit from these cards, and that’s fine. There are lots of other business credit cards out there that might better fit your needs.   Deciding between the Gold and Platinum cards is essential, but it should be easy. You can find the card that fits your business needs by looking at the costs, rewards, and benefits. There’s no universal answer; it’s all about what’s best for your business. So, take a good look, consider your options, and pick the card that will benefit you the most. Happy spending!


Is Amex Gold easier to get than Platinum?
  • Both need good credit, but the Platinum might be a bit harder to get because it’s more expensive and has more perks. 
Is Amex Gold or Amex Platinum better?
  • It depends on what you need. Platinum is great for travel and fancy perks, While Gold is excellent for getting more points on what you spend the most on. 
Is it worth upgrading from Amex Gold to Platinum?
  • If you can use Platinum’s travel perks a lot, upgrading could be a good idea. 
How many American Express cards can I have?
  • Amex doesn’t say exactly how many cards you can have, but they look at your credit with them, so it varies.

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