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American Express® Gold Card vs The Business Platinum Card® from American Express
This comparison aims to help you decide between the American Express® Gold Card and The Business Platinum Card® from American Express. Both cards offer unique rewards and benefits, catering to different consumer needs. Let's explore their features in detail.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is designed for foodies and frequent travelers who want to maximize their rewards on dining and grocery purchases. With a robust rewards structure and valuable dining credits, this card is ideal for those who spend significantly on meals and travel.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is tailored for business owners and professionals who often travel for work. It offers extensive travel benefits, premium rewards for business-related expenses, and exclusive access to airport lounges, making it a top choice for serious business travelers.
Detailed Feature Comparison
| Feature | American Express® Gold Card | The Business Platinum Card® from American Express |
|---|---|---|
| Annual Fee | $325 | $695 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 in first 6 months | 150,000 Membership Rewards® Points after spending $20,000 in first 3 months + $500 statement credit after spending $2,500 on qualifying flights |
| Rewards Structure | 4X points at restaurants and supermarkets, 3X points on flights, 2X on prepaid hotels, 1X on other purchases | 5X points on flights & hotels booked via AmexTravel.com, 1.5X points on certain business purchases, 1X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Dining Credits, Uber Cash, Resy Credit, and more | Global Lounge Collection, Airline Fee Credit, tech credits, and more |
Rewards Highlights
American Express® Gold Card
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
The Business Platinum Card® from American Express
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year.
- Earn 1X points on other eligible purchases.
Pros and Cons
American Express® Gold Card
- Pros:
- High rewards rate on dining and supermarkets
- Multiple dining credits
- No foreign transaction fees
- Cons:
- Annual fee is relatively high for a consumer card
- Limited rewards outside of dining and groceries
The Business Platinum Card® from American Express
- Pros:
- Exceptional travel benefits, including lounge access
- High rewards rate for business-related expenses
- Multiple statement credits for various categories
- Cons:
- Very high annual fee
- More suited for business owners
Who Should Consider Which Card?
American Express® Gold Card: Ideal for individuals who frequently dine out and shop at supermarkets. If you prioritize dining rewards and enjoy additional perks related to food and travel, this card may be the best fit for you.
The Business Platinum Card® from American Express: Best suited for business owners or professionals who travel often for work. If you value premium travel benefits, lounge access, and rewards on business expenses, this card is tailored for your needs.
Conclusion
Both the American Express® Gold Card and The Business Platinum Card® from American Express offer unique benefits that cater to different spending habits and goals. Consider your individual needs, whether they be dining rewards or extensive travel benefits, to make the best choice for yourself.