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American Express® Business Gold Card vs The Blue Business® Plus Credit Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Business Gold Card is a good rewards card for established business owners. How does it compare to Blue Business Plus from American Express, a points credit card? Read our comparison chart below.

 American Express Business Gold CardThe Blue Business Plus Credit Card from American Express
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American Express® Business Gold Card

The Blue Business® Plus Credit Card from American Express

 

Credit Card Summary

 
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
Point Rewards$0 Fraud Liability
 
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 12 months
Introductory APR for Balance TransfersN/A0% introductory APR for 12 months
Purchase APR15.74% to 23.74% Variable based on your creditworthiness and other factors14.74% to 20.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A14.74% to 20.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee2.7% of each transaction after conversion to US dollars.
Annual Fee$295 annual feeNo annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 
Bonus Airline RewardsAirline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* 
Point RewardsMore Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Airline Transfer PartnersAirline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 American Express Business Gold CardThe Blue Business Plus Credit Card from American Express
Pros & ConsPros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Pros:
  • 2X points on the first $50,000 spent each calendar year, then 1x
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Bottom LineGood rewards card for established business owners... Read full reviewGood rewards card for small business owners... Read full review
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What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Which is Better: Business Gold Card or Blue Business Plus?

    Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Business Gold Card or Blue Business Cash.


    Articles on American Express® Business Gold Card


    Articles on The Blue Business® Plus Credit Card from American Express


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    Compare Business Gold Card to:

    American Express Business Platinum
    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $595

    Business Green Rewards Card
    Introductory Bonus OfferPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $95

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    Compare Blue Business Plus to:

    Blue Cash Preferred
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on purchases for 12 months
    0% on balance transfers for 12 months
    14.49% - 25.49% Variable
    $95


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    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.