American Express Business Gold vs Ink Business Premier Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and Ink Business Premier Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | American Express Business Gold | Ink Business Premier Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 6 | 6 |
| Customer support | 7 | 7 |
| Features | 9 | 8 |
| Annual Fee | $375 | $195 |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $40 |
| Purchase APR | 19.49% - 28.49% (Variable) | 19.49% - 27.49% (Variable) |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Ink Business Premier Credit Card in one paragraph
A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Skip it if: Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Frequently asked questions
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip Ink Business Premier Credit Card?
Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.