Amex Business Gold Card vs. Amex Gold Card [Detailed Comparison]

BY 

Christine Krzyszton

- UPDATED: June 10, 2021

1. Credit Cards  / 
2. Business

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When you’re ready to select a new rewards card, an American Express card should be at the top of your list for consideration. The company issues a variety of business cards and personal consumer cards designed to match up with nearly every spending profile, redemption priority, and desire for useable benefits.

Aside from its flagship premium travel rewards cards, The Platinum Card® from American Express and The Business Platinum Card® from American Express, there are 2 additional cards that consumers consistently seek out.

The American Express® Business Gold Card and the American Express® Gold Card are workhorses when it comes to rewarding everyday business and personal spending. The cards also shine at redemption time and offer travel and shopping benefits that deliver additional value.

But if you’re trying to decide between the 2 for your next rewards card, you’ll find the cards can be totally different animals. That’s where we come in.

We’ve chosen these 2 popular cards today to dig deep and cover all the differences, allowing for the winner to surface.

The Value of a Welcome Bonus

Amex Business Gold Card

Credit Card

Key Benefits & Info

American Express® Business Gold Card Learn More (at Amex's secure site)

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more. Good to Excellent Credit Recommended (670-840) Annual Fee: $295 Terms Apply. For rates and fees of the Amex Business Gold Card, click here. UP's Bonus Valuation*: $1,540 Must Reads: For more info on the Amex Business Gold Card see our guide on its benefits, top FAQ's and our full review.

Amex Gold Card

Credit Card

Key Benefits & Info

New Welcome Offer American Express® Gold Card Learn More (at Amex's secure site)

Rose Gold is back. You can now choose between Gold or Rose Gold. Earn 35,000 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required. Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21. No Foreign Transaction Fees. Good to Excellent Credit Recommended (670-840) Annual Fee: $250 Terms Apply. For rates and fees of the Amex Gold Card, click here. UP's Bonus Valuation*: $1,320 Must Reads: For more info on the Amex Gold Card, see our guides on its benefits and perks, as well as our full review.

While the Amex Gold card may currently offer a bonus that exceeds the Amex Business Gold card, offers can change. Additionally, the actual value of a welcome bonus is dependent on how you choose to redeem your Membership Rewards points.

It’s always prudent to review the current welcome bonus, annual fee, any other associated fees and rates, and the applicable terms and conditions of a card prior to applying for any card.

The snapshots above can assist you in finding this information and help you estimate the value of a welcome bonus.

Business vs. Personal Card

The Amex Business Gold card is obviously a business card and the Amex Gold card, a personal consumer card.

If you have a business, it’s appropriate to keep business and personal purchases separated by selecting a business card to use for those purchases. Additionally, business cards may provide greater protections and offer business-related benefits such as employee cards that help you manage purchases and organizational tools that can make tax time easier.

If you’re looking specifically for a business card, you’ll want to review our article on some of the best business card choices available.

Personal consumer rewards cards, the Amex Gold card included, tend to focus on rewarding typical everyday expenses and providing additional useful travel and shopping-related benefits.

If you’re looking to apply for just 1 card and are not sure whether your next card will be a business or personal card, our 2 featured cards could both potentially qualify as great choices. Read on to find everything you need here to make your decision.

Comparing Earning Options

Each of our featured cards has a very different earning profile. While the Amex Business Gold card rewards common business purchases, the Amex Gold card focuses more on everyday spending categories.

Both cards are winners when you select the card that aligns with your business or personal spending profile.

If you’re a busy business owner, you’ll like that you don’t need to decide which bonus categories to select as the Amex Business Gold card applies the bonus rewards automatically to your 2 highest qualifying expenses each statement period.

As a consumer, you’ll find the Amex Gold card will deliver elevated earnings on those supermarket, restuarants, and qualifying flight purchases.

Hot Tip: If your business involves advertising on Amazon or other qualifying media, you’ll want to consider the Amex Business Gold card. The card earns 4x points per dollar spent (up to $150,000 in purchases each calendar year) on select online advertising when that expense is one of your highest expenses in a specific statement period. 

Comparing Redemption Options

While earning options on our featured cards are quite different, redemption options for Membership Rewards points, are similar.

Let’s look at the choices you’ll have for redeeming Membership Rewards points earned on either card.

The best value for redeeming Membership Rewards earned on either card is to redeem the points for travel via Amex Travel or transfer the points to airline and hotel partners for the potential to receive even greater value.

Watch for bonus transfer offers that can be found in your online card account. Recent offers have included a 40% bonus when transferring Membership Rewards to Marriott Bonvoy and an offer to redeem 1,000 Membership Rewards points for 2,800 Hilton Honors points. Additional bonuses are offered periodically when transferring to airline frequent flyer programs.

Bottom Line: The process and options for redeeming Membership Rewards are the same for either of our featured cards. The Amex Business Gold card, however, offers an additional airline bonus of 2.5 points for every 10 points redeemed (25%) for qualifying flights via Amex Travel. 

Statement Credits

Statement credits directly offset any qualifying purchases made with your card. Here are the statement credit offers you can expect on our featured cards.

Amex Gold Card

• $120 dining credits ($10 per month)

Amex Business Gold Card

The Amex Business Gold card does not offer any statement credits.

Bottom Line: The Amex Gold card comes with many statement credits while the Amex Business Gold card does not offer statement credits.

Travel Benefits and Protections

You’ll find several useful travel benefits and protections that come with both the Amex Business Gold card and the Amex Gold card.

Bottom Line: For a complete overview of American Express card travel insurance, our article provides an in-depth look at the travel insurance coverages offered on each card. 

Shopping Benefits and Protections

Both of our featured cards come with several shopping benefits and protections that can save you money on your purchases or reimburse you in the case of a covered event.

Purchase Protection — Receive up to $1,000 per item, $50,000 per card per calendar year, for damaged or stolen items for up to 90 days from the date of purchase.

Extended Warranty — For manufacturers’ warranties of 5 years or less, the card benefit extends the warranty by 1 additional year. The maximum benefit is $10,000 per item, $50,000 per card, per calendar year.

Amex Offers — Log into your online Amex card account, scroll down the page, and find up to 100 Amex offers that can save you money or provide bonus earnings. Add the offer to your card by clicking on the “add to card” button, then make the associated purchase with your card.

American Express Auto Purchasing Program — Receive guaranteed savings on your new car purchase and be able to use your Amex card to charge at least $2,000 of the purchase price.

Amex Business Gold Card vs. Amex Gold Card Summary

We’re dealing with 2 worthy cards here, but 1 may be a better fit for your current situation.

Let’s recap what we’ve covered and summarize how the cards fare in each category.

Best for Earning Rewards — Both cards offer bonus-earning spending categories with the Amex Business Gold card focusing on rewarding common business purchases, and the Amex Gold card’s earning strength centering around supermarket and dining purchases. The better card will be the one that matches your own specific spending profile.

Best for Redeeming Rewards — Both of our featured cards offer the same redemption options but the Amex Business Gold card with its 25% rebate (airline bonus) when using points for flights on Amex Travel has the edge.

Best for Statement Credits — With over $100 in potential annual statement credits, the Amex Gold card is the clear winner.

Best for Travel Benefits and Protections — The core travel insurance coverages that come with our featured cards are identical with the exception of the travel accident insurance, which is a rarely used benefit.

Best for Shopping Benefits and Protections — You wouldn’t select a card based solely on shopping benefits but fortunately, both cards fare equally in this category.

Best for Adding Authorized Users — Both cards are winners when it comes to adding authorized users as both offer appropriate options for the cards’ designed purposes. The Amex Business Gold card, created for the business owner, allows up to 99 additional users for 1 low $50 fee each year and the personal Amex Gold card allows up to 5 additional users for free, which could be sufficient for the average consumer.

Final Thoughts

We like that the Amex Gold card functions well as an everyday spending card but still offers plenty of travel and shopping benefits. We also like the Amex Business Gold card for its focus on rewarding common purchases a business might make on a regular basis and that it steps up with a 25% flight bonus when redeeming Membership Rewards points for flights.

Both cards are worthy choices but the best card for you will reward your greatest spending and offer redemption options that make sense for you personally. And bottom line, your chosen card should provide enough overall economic value to exceed any annual fee you’ll need to pay.

If you’re still undecided and like both of our featured cards, you might select the one with the greater welcome bonus to jump-start your earnings. It is important to note that you may not qualify for a welcome bonus if you have had the selected card previously.

Before applying for any card, be sure to check for the current welcome bonus, fees, and terms and conditions.

For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the American Express® Gold Card, click here.