American Express Business Gold Card vs. Chase Freedom Flex
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
American Express Business Gold Card
Amex
Chase Freedom Flex
Chase
American Express Business Gold Card and Chase Freedom Flex 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 foreign transactions; Chase Freedom Flex wins on annual fee and earning ceiling.
Pick the American Express Business Gold Card if year-one math is your priority; take the Chase Freedom Flex 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 Chase Freedom Flex
Chase Freedom Flex is $375 cheaper to keep.
- Earning ceiling Chase Freedom Flex
Chase Freedom Flex earns more on its best category (5× vs 4×).
- Foreign transactions American Express Business Gold Card
American Express Business Gold Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $375
- Free
- Welcome offer (typical value)
- $3,200
- $200
- First-year net
- +$2,825
- +$200
- Peak earning rate
- 4×
- 5×
- Top categories
- Advertising, Electronics, Dining
- Rotating Quarterly, Chase Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- American Express Membership Rewards
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.