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 (7.6/10 vs 7.1/10).
| Scored on | American Express Business Gold | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $250 |
| 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) | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
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.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
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 (7.6/10 vs 7.1/10). A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
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 The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.