American Express Business Gold vs Brex Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and Brex Card — 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 7.3/10).
| Scored on | American Express Business Gold | Brex Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 6 |
| Fees & pricing | 6 | 9 |
| Customer support | 6 | 5 |
| Features | 9 | 8 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 0% |
| Late Payment Fee | Up to $39 | Varies by bank partner |
| Additional Employee Cards | $0 for first 99 cards | — |
| Additional Card Fee | — | $0 |
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.
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
Frequently asked questions
Which is better, American Express Business Gold or Brex Card?
On our five-axis scorecard, American Express Business Gold scores higher (7.5/10 vs 7.3/10). 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 Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.