Business Gold Card vs American Express Plum Card

Compare Rewards, Interest Rates, Fees, and Benefits

Business Gold Card is a business credit card. How does it compare to American Express Plum Card, a cash back card? Read our comparison chart below.

Keep in mind, the Business Gold Card has a $375 annual fee, while the American Express Plum Card has a $250 annual fee.

	American Express® Business Gold Card	The Plum Card® from American Express
	Card Interest Rates & Fees
Purchase APR	19.49% to 28.49% Variable based on your creditworthiness and other factors	N/A
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$375 annual fee	$250 annual fee
	Card Rewards & Benefits
Introductory Bonus Offer	Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Point Rewards	Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Airline Transfer Partners	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.
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 American Express® Business Gold Card and The Plum 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. Business Gold Card: Pricing information including interest rates, benefits and fees was obtained on February 1, 2024 from published websites and is believed to be accurate, but not guaranteed. American Express Plum Card: Pricing information including interest rates, benefits and fees was obtained on July 7, 2023 from published websites and is believed to be accurate, but not guaranteed.

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 Ink Business Cash.

Comments

John from Pennsylvania
on March 2012 said about American Express Plum Card:
I just got the Plum Card and was made aware of something that the Customer Service Rep wasn't aware of until I pressed the issue and he had to find out the answer from a supervisor:

The 1.5% is strictly applied to payments within the first 10 ten days after the monthly cycle closes. The caveat there is that payments made during the monthly cycle do not get the discount reward. That's an important distinction that will not necessarily be clear to anyone reading about the card and I think you should know that. I now realize that if I pay "too early", the discount doesn't apply. I was very disappointed. AMEX charge cards may not have a preset limit but they do have limits based on spending patterns. If I have $5000 available and use that in the first week of the monthly cycle on unforeseen expenses with several auto-debits still to come, I need to pay down the balance quickly within a few days and thus NOT get the discount on that payment. The discount only applies to the ENDING BALANCE. Now, if you have a stratospheric limit on the card, it won't matter. But for many small business owners juggling expenses and spending limits while trying to get maximum rewards, this can and will be a nuisance. Applicant beware.

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