American Express Business Gold Card vs. The Platinum Card from American Express
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
American Express Business Gold Card
Amex
The Platinum Card from American Express
Amex
American Express Business Gold Card and The Platinum Card from American Express split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
American Express Business Gold Card wins on first-year math and annual fee; The Platinum Card from American Express wins on earning ceiling and lounge access.
Pick the American Express Business Gold Card if year-one math is your priority; take the American Express Business Gold Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee American Express Business Gold Card
American Express Business Gold Card is $520 cheaper to keep.
- Earning ceiling The Platinum Card from American Express
The Platinum Card from American Express earns more on its best category (5× vs 4×).
- Lounge access The Platinum Card from American Express
The Platinum Card from American Express includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $375
- $895
- Welcome offer (typical value)
- $3,200
- $2,800
- First-year net
- +$2,825
- +$1,905
- Peak earning rate
- 4×
- 5×
- Top categories
- Advertising, Electronics, Dining
- Flights, Prepaid Hotels
- Lounge access
- No
- centurion, delta-sky-club, priority-pass
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- American Express Membership Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.