American Express Business Gold Card vs. Citi Double Cash Card
On the criteria below, American Express Business Gold Card wins 3 of 5. The verdict depends on which criteria matter to you.
American Express Business Gold Card
Amex
Citi Double Cash Card
Citi
American Express Business Gold Card wins 3 of 5 criteria here, making it the stronger all-rounder.
American Express Business Gold Card wins on first-year math, travel insurance, and foreign transactions; Citi Double Cash Card wins on annual fee and earning ceiling.
Pick the American Express Business Gold Card if year-one math is your priority; take the Citi Double Cash Card if you want a cheaper card to keep long-term.
Who wins what
3 vs 2- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee Citi Double Cash Card
Citi Double Cash Card is $375 cheaper to keep.
- Earning ceiling Citi Double Cash Card
Citi Double Cash Card earns more on its best category (5× vs 4×).
- Travel insurance American Express Business Gold Card
American Express Business Gold Card carries built-in travel insurance.
- 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
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- American Express Membership Rewards
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.