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Business Gold Card vs American Express Plum Card

Compare Rewards, Interest Rates, Fees, and Benefits

Business Gold Card is a good rewards card for established business owners. How does it compare to American Express Plum Card, a cash back charge card? Read our comparison chart below.

Keep in mind, the Business Gold Card has a $295 annual fee, while the American Express Plum Card has a $0 introductory annual fee for the first year, then $250.

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

 

American Express® Business Gold Card

The Plum Card® from American Express

 Business Credit CardBusiness Charge Card
 
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
 

Card Interest Rates & Fees

Purchase APR14.24% to 22.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APRN/AN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$295 annual fee$0 introductory annual fee for the first year, then $250
 

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. 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 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. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Pros:
  • 1.5% Early Pay Discount
  • No pre-set spending limit
Cons:
  • $250 annual fee
Bottom LineGood rewards card for established business owners... Read full reviewFlexible business charge card to help manage cash flow... Read full review
 Read Business Gold Card ReviewRead American Express Plum 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 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 July 7, 2020 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, 2020 from published websites and is believed to be accurate, but not guaranteed.

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

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 Preferred.


Articles on American Express® Business Gold Card


Articles on The Plum Card® from American Express


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Compare American Express Plum Card to:

Blue Cash Everyday
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

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.