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American Express Business Platinum vs Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

American Express Business Platinum is an excellent business card for frequent travelers. How does it compare to Business Gold Card from American Express? Read our comparison chart below.

Keep in mind, the American Express Business Platinum has a $595 annual fee, while the Business Gold Card has a $295 annual fee.

Charge Card vs Credit Card: The Business Platinum Card® from American Express is a charge card while American Express® Business Gold Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 

The Business Platinum Card® from American Express

American Express® Business Gold Card

 Business Charge CardBusiness Credit Card
 
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
 

Card Interest Rates & Fees

Purchase APRN/A14.24% to 22.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/AN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$595 annual fee$295 annual fee
 

Card Rewards & Benefits

Introductory Bonus OfferEarn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.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.*
Travel RewardsTravel Rewards 
Airline RewardsGet 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline Rewards35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.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.*
Hotel RewardsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com. 
Point RewardsGet 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline StatusGet up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
 
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.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Pros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineExcellent business card for frequent travelers... Read full reviewGood rewards card for established business owners... Read full review
 Read American Express Business Platinum ReviewRead Business Gold Card Review

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.

Disclaimer: The information for the The Business Platinum Card® from American Express and American Express® Business Gold Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

American Express Business Platinum: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed.

Business Gold Card: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: American Express Business Platinum or Business Gold Card?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Business Platinum or Ink Business Cash.


Articles on The Business Platinum Card® from American Express


Articles on American Express® Business Gold Card


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Compare American Express Business Platinum to:

American Express Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$550

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

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