American Express Business Gold vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of American Express Business Gold and The Plum Card from American Express — 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 | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, American Express Business Gold or The Plum Card from American Express?
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.