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American Express Business Platinum vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Business Platinum is a business and travel credit card. How does it compare to American Express Gold, a points card? Read our comparison chart below.

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The Business Platinum Card® from American Express

American Express® Gold Card

 

Credit Card Interest Rates & Fees

Purchase APR19.49% to 27.49% Variable based on your creditworthiness and other factorsSee Pay Over Time APR
Balance Transfers APRN/AN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$695 annual fee$250 annual fee
 Terms Apply. See Rates & Fees
 

Credit Card Rewards & Benefits

Introductory Bonus OfferWelcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Travel RewardsTravel Rewards 
Airline RewardsGet 5X Membership Rewards® points on flights on AmexTravel.com.3X Membership Rewards® points on flights booked directly with airlines or 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. 
Hotel RewardsGet 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. 
Point RewardsGet 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points on eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline Status$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
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.
 
Grocery Rewards Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Dining Rewards Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
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® Credit Card Reviews

Pros & ConsPros:
  • Welcome bonus
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineGood rewards card for cardholders who fly frequently or eat out... Read full review
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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.

Disclaimer: The information for the The Business Platinum Card® from American Express 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 27, 2023 from published websites and is believed to be accurate, but not guaranteed.


Articles on American Express® Gold Card

AMEX Gold Review

If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.

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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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