American Express Business Gold vs American Express Business Platinum: which one fits your business?
Side-by-side comparison of American Express Business Gold and American Express Business Platinum — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Gold wins on our scorecard (7.5/10 vs 7/10).
| Scored on | American Express Business Gold | American Express Business Platinum |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 6 |
| Fees & pricing | 6 | 5 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $375 | $695 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $39 | Up to $39 |
| Additional Employee Cards | $0 for first 99 cards | — |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
Frequently asked questions
Which is better, American Express Business Gold or American Express Business Platinum?
On our five-axis scorecard, American Express Business Gold scores higher (7.5/10 vs 7/10). The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.