American Express Business Gold vs Southwest Rapid Rewards Performance Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and Southwest Rapid Rewards Performance Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Southwest Rapid Rewards Performance Business Credit Card wins on our scorecard (8/10 vs 7.6/10).
| Scored on | American Express Business Gold | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 7 |
| Features | 9 | 9 |
| Annual Fee | $375 | $199 |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | — |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Employee Cards | — | $0 |
| Late Payment | — | Up to $40 |
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.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
Skip it if: You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
Which is better, American Express Business Gold or Southwest Rapid Rewards Performance Business Credit Card?
On our five-axis scorecard, Southwest Rapid Rewards Performance Business Credit Card scores higher (8/10 vs 7.6/10). The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
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 Southwest Rapid Rewards Performance Business Credit Card?
You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.