American Express Business Gold vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of American Express Business Gold and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: U.S. Bank Triple Cash Rewards wins on our scorecard (7.8/10 vs 7.5/10).
| Scored on | American Express Business Gold | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 9 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Intro APR | — | 0% for 12 months |
| Software Credit | — | $100 annually |
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.
U.S. Bank Triple Cash Rewards in one paragraph
The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Skip it if: Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.
Frequently asked questions
Which is better, American Express Business Gold or U.S. Bank Triple Cash Rewards?
On our five-axis scorecard, U.S. Bank Triple Cash Rewards scores higher (7.8/10 vs 7.5/10). The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
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 U.S. Bank Triple Cash Rewards?
Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.