The Amex Business Platinum vs. the Amex Business Gold Card [Detailed]

Business Owner Amex Business Platinum vs Amex Business Gold

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American Express has several top-notch Membership Rewards cards.  It is most famous being a leader in the realm of points and rewards.

Where American Express shines is its premium card offerings. With the fantastic perks you get from holding their cards and their Membership Rewards program, it’s no secret that Amex is a must-consider in this growing world of credit card rewards.

Here’s a look at comparing 2 of the most popular business cards out there: The Business Platinum Card® from American Express and the American Express® Business Gold Card. We’ll be laying out all of the information you need to compare the 2 offerings and choose the best fit for you.

Reasons You Need a Business Card

Business Credit Card
Image Credit: G-Stock Studio via Shutterstock

The most obvious reason why you’d want to apply for a business card is to help you run your business. A business credit card is tremendously useful for separating key expenses and tracking business activity.

Owning and operating a business is no small feat, and it requires tremendous attention to detail to accurately document your legal paperwork, track your transactions, and manage your spending. As a result, you’ll want to think about opening business cards that help you run your business and earn rewards.

In recent years, banks have been intensifying their marketing towards small businesses, which has resulted in ultra-attractive card offerings for business owners looking for credit cards.

Here are some of the other reasons you’d want to consider a business card:

  1. Accruing Points: Some of the most attractive cards in the world are business cards. This isn’t a coincidence, as big banks tend to view businesses as significantly more profitable than consumers.
  2. Streamlining Business Accounting and Spending: When you run a business, one of the biggest headaches can be inadequate accounting. Having a business card will help streamline your finances and manage your spending easily by separating expenses.
  3. Building Your Business Credit: We talk a lot about consumer credit, but there’s actually a credit report for every business out there. The most popular bureau for tracking business credit is Dun & Bradstreet. Opening a business card will build your business credit.
  4. Higher Credit Limits: Most banks want to help you build your business. They understand that business expenses often exceed personal expenses, so they’ll usually grant higher credit limits.
  5. Other Benefits: As you’ll find out later in this article, there is a huge laundry list of perks you’ll get for having the right business card.

Who Qualifies for a Business Card?

The qualification criteria for business cards is not as complicated as many people think. You don’t need a complicated legal structure, thousands of employees, or millions of dollars in annual revenue to qualify for a business card.

In fact, banks love small business owners, and they want to help you succeed in your business with the hope that you’ll be their financial partner by having their business cards.

If you have a tutoring side hustle or eBay reselling business, you’ll qualify for a business credit card. Just remember that the U.S. Small Business Administration may require special licensing or permits for certain professions/industries.

Most of the business credit card underwriting process uses your personal income as their main consideration from a risk management perspective, so you don’t even need to have business revenue to qualify! Undoubtedly, having business revenue will usually help, but the absence of it isn’t a deal-breaker in the slightest.

Bottom Line: Most businesses, whether it’s a small sole proprietorship or a large corporation, will qualify for business cards. Don’t disqualify yourself unnecessarily and miss out on the lucrative world of business credit card rewards. 

Card Snapshots

What These 2 Cards Have in Common

There’s a lot to love about both of these cards. As you can probably imagine, the Amex Business Platinum card offers more benefits than the Amex Business Gold card, which helps offset the difference in annual fees.

That being said, both of these cards are excellent in their own right. Let’s touch on their commonalities.

Access to American Express Membership Rewards

The first thing that the Amex Business Gold and Amex Business Platinum cards have in common is access to American Express Membership Rewards. Membership Rewards is Amex’s proprietary points and rewards program.

The points you earn are redeemable for flights, cruises, hotels, and more. Also, you can transfer Amex Membership Rewards points to airline partners to get maximum value on business and first class flights.

The Hotel Collection

How To book Amex Hotel Collection
The Hotel Collection is one of the exclusive perks of American Express’s premium cards. Image Credit: American Express

The Hotel Collection is 1 of 2 Amex groups of hotels, the other being Fine Hotels & Resorts. You get access to The Hotel Collection from both the Amex Business Platinum and Amex Business Gold cards.

On stays of at least 2 nights with any of the 600 hotels worldwide, you’ll get a $100 hotel credit along with a room upgrade, subject to availability. This hotel credit can be used on dining, spa, and resort activities, which is great!

With the Amex Business Platinum card, you’ll get access to both the Hotel Collection and the Fine Hotels & Resorts, whereas the Amex Business Gold card gives you access to only the Hotel Collection.

Expense Management and QuickBooks

American Express Business OPEN
Linking QuickBooks to OPEN from American Express saves you tons of time in managing expenses for your business. Image Credit: QuickBooks

One of the most underrated benefits of the Amex Business Platinum and Amex Business Gold cards is the tools provided to manage your expenses. Amex offers integrations with QuickBooks, an Intuit accounting software package.

Amex has a tool called the American Express Business App, formerly called the Spend Manager, which allows you to input receipts, tag purchases, and notate your statements. After this is done, you can sync your data with QuickBooks, reducing the overall administrative burden of your business.

Account and Employee Card Management

Employee Card Management
You can manage employee cards easily with American Express OPEN. Image Credit: Africa Studio via Shutterstock

American Express has created tools and services that continue to make the lives of business owners easier. One of these examples is the account manager function.

Normally, the primary cardholder is the only person capable of making changes to the account. However, Amex’s account manager allows for delegation to perform tasks like adding authorized users, disputing transactions, and making payments. Thus, it reduces the administrative burden of the primary cardholder in running the business.

Also, you can manage employee cards easily. You can set up real-time alerts and purchase limits for employee/authorized cardholders.

Access to Amex Offers

Amex Offers
Amex Offers can save you money or get you many more bonus points for regular shopping! Image Credit: XanderSt via Shutterstock

Amex Offers is one of the best aspects of holding an American Express card. Some of these offers have historically included “Marriott: Spend $300+ & Receive $60 Back” and “Amazon: Get 2,000 Membership Rewards points when you spend $50+”.

Needless to say, Amex Offers is an amazing way to stack discounts and/or bonus points onto your purchase that you were going to make anyway.

Holding any Amex card grants you access to Amex Offers, so this is a benefit shared by both the Amex Business Platinum and Amex Business Gold cards.

Extended Warranty

Couple Shopping
Extended warranties can save you from huge headaches if used properly. Image Credit: Kamil Macniak via Shutterstock

When you buy something, you sometimes receive a warranty with the item. When you buy something using either the Amex Business Platinum or Amex Business Gold cards, you’ll receive an extended warranty of up to 2 additional years.

Here’s the warranty structure:

  • If your purchase includes a warranty of less than 2 years, the warranty is matched, effectively doubling the total warranty period.
    • If your product has a warranty of 1 year, your Amex card will add another 1  year.
  • If your purchase includes a warranty of 2 to 5 years, your warranty is extended by another 1 year.
    • If your product has a warranty of 4 years, your total warranty becomes 5 years.

Baggage Insurance

Baggage Claim Area Lost Delayed Luggage
Baggage insurance comes in handy when unexpected things happen at the airport. Image Credit: guijunpeng via 123RF

Baggage insurance is a quintessentially important perk primarily for compensation but also for peace of mind. While baggage insurance is offered by both cards, the Amex Business Platinum card offers superior baggage insurance.

Keep in mind that you need to pay for the entire plane ticket with the card, so paying for taxes and fees on an award booking won’t count.

For Amex Business Platinum cardholders, you’ll receive up to $2,000 in insurance for checked bags that are damaged, stolen, or lost. The number for carry-on bags increases up to $3,000. Lastly, you can receive up to $1,000 for high-risk items.

High-risk items are defined include, but are not limited to:

  • Furs or articles made mostly with fur or trimmed or lined with fur
  • Items consisting in whole or in part of gold, silver, or platinum
  • Jewelry
  • Photographic or electric equipment, computers and audio/visual equipment, wearable technology
  • Sporting equipment

For Amex Business Gold cardholders, you’ll receive up to $500 in insurance for damaged, lost, or stolen checked bags. Similarly, you’ll also receive $1,250 in insurance for carry-on bags. You’ll receive up to $250 for high-risk items.

Hot Tip: Looking for even more details about travel insurance offered by American Express? Explore our in-depth guide on Amex Travel Insurance

Purchase Protection

Amex Business Platinum and Amex Business Gold cards both have purchase protection plans, though the Amex Business Platinum is the superior choice here.

Your eligible purchases are covered against theft or accidental damage for 90 days for up to $1,000 per instance with the Amex Business Gold card and up to $10,000 per instance with the Amex Business Platinum card.

Natural disaster coverage is limited to $500 per instance.

Secondary Rental Car Coverage

Secondary rental car coverage is essentially the insurance that “kicks in” to cover charges and fees that the primary rental car coverage doesn’t. Essentially, you’ll need to file a claim with your personal car insurance first before anything from the secondary coverage takes effect.

As long as you pay for the entire rental with your Amex card and decline the collision damage waiver, you’ll get coverage.

Different cards offer different amounts/types of coverage; click here for Amex’s website that shows all the policies for each card.

Ability to Purchase Primary Rental Car Coverage

We’ve written extensively on the best cards for car rental insurance, but this is an area where American Express has historically lagged behind competitors like Chase.

Although you only get secondary rental car coverage, you can purchase primary rental car coverage at a relatively reasonable rate. Keep in mind that the policy doesn’t include liability coverage.

For more information, click here.

No Foreign Transaction Fees

There are no foreign transaction fees for either the Amex Business Platinum card or the Amex Business Gold card. For rates and fees, please visit Amex Business Platinum rates and fees, and Amex Business Gold rates and fees.

Metal Cards

The Amex Business Platinum and Amex Business Gold cards are both status symbols in many circles. Although they’re quintessentially known as symbols of wealth, you’ll also find that the cards themselves feel very hefty.

This is intentional, as it carries more weight (no pun intended) in conversation and when people actually hold the card. The Amex Business Platinum card weighs around 18 grams, and the Amex Business Gold card is slightly lighter at 15 grams.

Where These 2 Cards Differ

Welcome Bonuses

Welcome Bonus
Welcome bonuses play a huge role in whether or not you open a card. Image Credit: Constantin Stanciu via Shutterstock

Historically, welcome bonuses have played a huge role in whether or not you open a new card with any sense of urgency. Welcome bonuses are one of the best ways to kick-start your rewards accrual and they’re a huge factor in deciding which card you get.

Here’s a snapshot of any welcome bonuses and fees for each card:

Remember that the welcome bonus of a card is just 1 variable in the overall equation. You’ll want to take into account all the perks of holding a specific card, as opposed to just the welcome bonus.

Hot Tip: Wondering if the high annual fee pays off in benefits? We’ve done the math. See if the Amex Business Platinum is worth it.

The Value of a Welcome Bonus

The value of a welcome bonus is somewhat subjective, though, you’ll find that American Express Membership Rewards points are hugely valuable, according to our travel points and miles valuations.

The value of Membership Rewards points can change over time, but you’ll see that a welcome bonus could be worth a ton, depending on the exact magnitude of the welcome bonus.

Bonus Spending Categories

The Amex Business Platinum card earns:

  • 5x points on flights and prepaid hotels on
  • 1.5x points on eligible purchases of $5,000 or more

The Amex Business Gold card earns:

  • 4x points on 2 of the following business spending categories:
    1. Airfare purchased from airlines directly
    2. Online, TV, and radio advertising purchased from U.S. media
    3. Select technology purchases of computer hardware, software, and cloud solutions from U.S. providers
    4. Purchases at U.S. gas stations
    5. Purchases at U.S. restaurants
    6. Purchases for U.S. shipping
  • 2x points on qualifying purchases made on Amex Travel including air, prepaid hotels, vacation packages, or cruise reservations, minus returns and other credits.

Bottom Line: As you can see, the Amex Business Gold card has more business spending categories that you can earn bonus points on. The Amex Business Platinum card earns 5x points on flights and prepaid hotels on, so unless you’re booking through there, it might be best to look at the Amex Business Gold card for bonus category earnings.

Redeeming Points

Emirates First Class Game Changer seat
You can redeem Amex Membership Rewards points for Emirates First Class Suites. Image Credit: Cherag Dubash

Once you’ve earned your points, you’ll eventually want to redeem them. The best way to redeem points and miles is to transfer points to partners so you can redeem Membership Rewards for great value on international business/first class flights, which are otherwise priced at an utterly inaccessible rate upwards of $10,000+ per ticket.

Besides transferring to airline partners, you can also use Pay with Points with the Amex Business Platinum card to get a 35% rebate on flights booked on Amex Travel, up to 500,000 points back per calendar year. This applies to flights on your selected qualifying airline when booked through American Express Travel.

Also, you can redeem your points for statement credits, gift cards, shopping partners, Uber, Amazon, and Ticketmaster. These redemptions, while available, are generally not recommended due to the lack of value you’ll get (usually less than 1 cent per point).

Hot Tip: Savvy travelers transfer Amex points to airline partners and search for award space to book the top international business/first class flights. 

Adding Additional Users

Employee Meeting
Image Credit: via Shutterstock

With the Amex Business Platinum card, you can pay anywhere from $0 to $300 per year for employee cards. Currently, you can add up to 5 employee cards at the following structure depending on which type of card you add:

  • Employee Amex Business Platinum card: $300 annual fee (rates and fees).
  • Employee Business Gold Rewards card: $45 annual fee (rates and fees).
  • Employee Business Green Rewards Card from American Express: $0 annual fee (rates and fees).

On the other hand, adding additional employee cards to the Amex Business Gold card is much more economical:

  • Employee Amex Business Gold card: $50 annual fee for the first card and no fees for up to 99 additional cards (rates and fees).
  • Employee Amex Business Green card: $0 annual fee (rates and fees).

While the annual fees for additional users can vary hugely, you’ll also need to keep in mind that additional Amex Business Platinum cards get lots of great benefits.

Statement and Fee Credits

Perhaps the most straightforward way to get outsized value from a card is to take advantage of the statement and fee credits offered. Unfortunately, the Amex Business Gold card doesn’t offer any statement credits to offset the annual fee.

On the other hand, the Amex Business Platinum card offers great statement credit benefits.

Up to $200 Yearly Airline Fee Credit

American Airlines Tail Fins
You can spend the airline fee credit on things like checked bags and upgrades. Image Credit: Cassiohabib via Shutterstock

The first statement credit offered by the Amex Business Platinum card is the up to $200 in airline fee/incidentals credits. The best use of these fee credits are towards things like inflight purchases and checked bags.

You can’t use this fee credit for award tickets, duty-free purchases, gift cards, mileage points transfer fees, mileage points purchases, upgrades, and airline tickets, as per Amex’s terms and conditions.

This is a benefit that requires enrollment. You’ll need to pick the airline of your choices before using it. Also, you can only change your airline choice once a year in January. Currently, you can pick between these airlines:

  • Alaska Airlines
  • American Airlines
  • Delta Air Lines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Southwest Airlines
  • Spirit Airlines
  • United Airlines

Up to $200 Yearly Dell Credit

Shop Dell with Business Platinum
Leverage the Amex Business Platinum card for its $200 Dell Credit! Image Credit: American Express

A unique perk of the Amex Business Platinum card is getting up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. This enrollment-required perk is for purchases made directly with Dell or at in the U.S. and U.S. territories. Also, all items must be shipping to the U.S. to qualify.

To break it down further, you’ll get up to $100 in statement credits for purchases made from January to June and another $100 in statement credits for purchases made in July to December for total savings up to $200 per year.

Per the terms and conditions, statement credits take 2-4 weeks to post but often are much quicker than that.

$100 TSA PreCheck or Global Entry Application Fee Credit

The last fee credit you get for holding the Amex Business Platinum card goes towards the application fee of either:

Global Entry actually includes TSA PreCheck, so it’s always advisable to go for Global Entry. Global Entry will enable you to clear immigration upon re-arrival in the United States.

Hot Tip: Looking for other cards that offer these benefits? Here are the best cards for complimentary TSA PreCheck and Global Entry.

Complimentary Wi-Fi

Airplane Wi-Fi
Staying connected in-flight can be essential. Leverage the Amex Business Platinum card to do so! Image Credit: TravnikovStudio via Shutterstock

Need to connect to Wi-Fi in the air? You might be in luck if you hold the Amex Business Platinum card. Let’s take a look at what’s offered.

10 Complimentary Gogo In-Flight Internet Passes Per Year (benefit ending 1/2/20)

The Amex Business Platinum Card offers 10 free Gogo inflight internet passes per year. This is hugely valuable for business travelers, as airlines like American and Delta use Gogo as their provider on many of their planes.

This is an activation-required perk, so you’ll need to create an account online and log into your account every time you connect to Gogo.

Unlimited Boingo Wi-Fi

Boingo Logo
Unlimited Boingo Wi-Fi is available for eligible cardmembers. Image Credit: Boingo

The Gogo inflight Wi-Fi offers options for staying connecting 35,000 feet in the air. But what about airports, which are known to have frustratingly slow Wi-Fi?

An additional Wi-Fi benefit offered to Amex Business Platinum cardholders is complimentary Wi-Fi from Boingo via the exclusive Boingo American Express Preferred Plan. You can add up to 4 devices and enjoy unlimited and free Wi-Fi globally.

If you’re using more than 1 device at a time, you need to be connected to the same network/hotspot. This is fairly intuitive, as it prevents people from sharing memberships with others around the world.

Additional Benefits Offered

Airport Lounge Access

American Express Centurion Lounge Hong Kong
American Express Business Platinum cardholders get exclusive access to the network of Centurion Lounges worldwide. Image Credit: Greg Stone

We always say that the Platinum Card® from American Express, Amex Business Platinum card, and Centurion® Card from American Express cards have undoubtedly the best access to airport lounges in the world.

Well, in addition to a Priority Pass Select membership, you’ll have access to the rest of the Global Lounge Collection, which includes:

Within the Centurion Lounges, you’ll enjoy a hot food buffet and premium alcohol with handcrafted cocktails. Also, you can revel in comfort in the shower suites, which is a great way to freshen up before a flight.

American Express Platinum Concierge

The American Express Platinum Concierge is yet another benefit of the Amex Business Platinum card. Simply put, the concierge can help you make hard-to-get reservations, plan trips, and even help you plan your business events.

The American Express Platinum Concierge consists of professionals located at every corner of the globe. Most importantly, they are all very familiar with travel, food, and business.

It is extremely useful to have them in your corner searching for Michelin-starred restaurants, planning tours, snagging sold-out concert tickets, or even hosting your next corporate event.

Fine Hotels & Resorts Program

Fine Hotels & Resorts
Amex Fine Hotels & Resorts perks are phenomenal. Image Credit: American Express

One of the best perks of the Amex Business Platinum card is access to the Fine Hotels & Resorts, which is a collection of luxury hotels that offer the following perks for every booking:

  • Room upgrade upon arrival, when available
  • Daily breakfast for 2 people
  • Guaranteed 4 p.m. late check-out
  • Noon check-in, when available
  • Complimentary Wi-Fi
  • Unique property valued at a minimum of $100 (food and beverage credit, one-way private sedan transfer, dinner for 2, spa credit, among others)

This could be a huge perk if used effectively at any of the 1,000 participating properties worldwide. With this fabulous benefit, you’ll be traveling with the equivalent perks of top-tier elite status without having to stick to a particular brand!

Fine Hotels & Resorts rates are often just as competitive as the cheapest publicly available rate, which is a massive perk that makes the Amex Business Platinum card even more valuable.

Hilton Honors Gold Status

Hilton Gold Elite Status
Free breakfast is among the many benefits that having Hilton Honors Gold status provides to Amex Business Platinum cardholders. Image Credit: Hilton

Hilton Honors has potentially the best mid-tier hotel elite status. You can get the mid-level Hilton Honors Gold status just by holding the Amex Business Platinum card. Here are the perks you’ll get:

  • Complimentary breakfast at all hotels
  • Space available room upgrades (excludes suites)
  • 80% bonus points towards free nights
  • Unlimited milestone bonuses
  • All Hilton Honors Silver benefits
    • Guaranteed member discounts
    • No resort fees on reward stays
    • Digital key/check-in and choose your room
    • Standard in-room and lobby Wi-Fi
    • Second guest stays free
    • Late checkout
    • Free transfer of points and points pooling
    • 5th standard reward night free
    • 2 bottles of water
    • Elite tier rollover nights

In particular, the free breakfast benefit is a game-changer for those seeking hotel elite status. This is a benefit that requires enrollment, so be sure to activate this when you get the card.

Marriott Bonvoy Gold Elite Status

Image Credit: Alexandros Michailidis via Shutterstock

With the Amex Business Platinum card, you’ll also get Marriott Bonvoy Gold Elite status, which isn’t as valuable as Hilton Honors Gold status. You’ll get these perks:

  • Complimentary enhanced in-room internet access
  • Priority 2 p.m. late check-out
  • Enhanced room upgrades (excludes suites)
  • 25% bonus points on stays
  • All Marriott Bonvoy Silver Elite benefits
    • Dedicated elite reservation line
    • Ultimate reservation guarantee
    • Free Wi-Fi
    • Exclusive member rates

As you can see, the perks aren’t as plentiful as Hilton Honors Gold status, but it’s still an option for those staying in Marriott hotels. You must activate this elite status by logging on to your online account.

Hot Tip: Learn more about the Marriott Bonvoy loyalty program to see what perks you get with higher or lower status.

Car Rental Elite Status

Car Rental
Image Credit: 4 PM production via Shutterstock

With the Amex Business Platinum card, you’ll get the following elite status at 3 car rental agencies:

  1. Avis Preferred
    • 15% off published car rental rates
    • Special upgrade/discount codes
    • Bypass the line so you can go straight to your car
  2. Hertz Gold Plus
    • Expedited service at over 40 of the world’s largest airports
    • 4-hour grace period before an extra day is charged (a 1-day rental is valid for 28 hours)
    • 10% bonus on rewards
    • A one-car class upgrade
  3. National Emerald Club Executive Status
    • Bypass the line so you can go straight to your car.
    • Guaranteed upgrades
    • No fee for adding a second driver
    • Reward choices and get 1 free rental day after 7 rental credits
    • E-receipts
    • Pick full-size cars from the Executive area at the mid-sized reserved rate

Pay with Points Rebate

By using the Pay With Points Rebate available on the Amex Business Platinum card, you can save 35% on your Amex Travel booking. Image credit: pathdoc via Shutterstock

When booking a ticket with your selected qualifying airline through American Express Travel, you can choose the “Pay With Points” option, which would enable you to get a 35% rebate on your points, up to 500,000 points back per calendar year.

To get the full 500,000 points back per year, you’d have to redeem 1,428,571 points towards eligible first/business class flights.

FX International Payments Fee Waiver

FX International Payments
FX International Payments. Image Credit: American Express

Wire transfers can get very costly very quickly, especially if you have a high volume of them. Certain businesses, upon approval, are eligible to receive fee waivers for transactions using foreign currency wire transfers.

This is a perk exclusively for Amex Business Platinum cardholders, subject to a minimum transaction size depending on the currency.

Cruise Privileges

Cruise Ship
Image Credit: Pixabay

If you hold the Amex Business Platinum card, you’ll similarly receive some top-tier perks for cruises. Specifically, if you book trips of at least 5 nights on Amex Travel or an eligible provider, you can receive the following credits:

Double occupancy is required, so keep that in mind.

Premium Global Assist

Amex Business Platinum cardholders, along with Amex Platinum and Centurion cardholders have access to the Premium Global Assist hotline.

The Premium Global Assist Hotline includes all of the features of the Global Assist Hotline plus benefits like Emergency Medical Transportation Assistance and Repatriation of Mortal Remains.

The Global Assist Hotline includes assistance and coordination services for unexpected hiccups in your trip, such as lost passports and missing luggage.

Obviously, this isn’t going to apply for most travelers, but it’s still definitely a perk that can be useful in a bind of even a life-or-death situation.

Hot Tip: Don’t miss our separate detailed review on the Amex Business Platinum vs. the Platinum Card® from American Express.  

Final Thoughts

With so many different benefits offered by each card, it’s important to weigh the pros and cons of the Amex Business Platinum and Amex Business Gold cards.

The Amex Business Platinum would be a great choice for travelers who are looking to elevate their overall experience, whether it’s in airports with the top-notch lounge access or in hotels with the fabulous Fine Hotels & Resorts perks.

The bonus categories on the Amex Business Platinum are a bit light, but the 5x points on flights and pre-paid hotels booked through can be extraordinarily useful for the right business owner.

The Amex Business Gold is a phenomenal choice for spending-oriented businesses that may have various types of spending, whether it’s on gas or advertising. However, the perks on the Amex Business Gold are somewhat light, but you’ll save about 50% on annual fees compared to the Amex Business Platinum.

This guide is undoubtedly the most comprehensive resource comparing the 2 cards, so be sure to leverage it to optimize your business spending!

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

Frequently asked questions

What are the differences in benefits between the Amex Business Gold and the Amex Business Platinum?

In the simplest way possible, here’s the best way to compare the cards:

  • The Amex Business Platinum is best for the frequent traveler that needs lounge access and spends lots of money on airfare and prepaid hotels on Amex Travel. Also, the statement fee credits make the card attractive for Dell and WeWork users.
  • The Amex Business Gold is best for the spending-focused business owner due to the wide variety of bonus categories.

What airport lounges can I access with the Amex Business Platinum card or the Amex Business Gold card?

The Amex Business Platinum card enables cardholders to access the American Express Global Lounge Collection, which has the best lounge access of any card out there. You can access the following lounges with your Amex Business Platinum card:

  1. Airspace Lounges
  2. Centurion Lounges
  3. Delta Sky Clubs
  4. Escape Lounges in the U.S.
  5. International American Express Lounges
  6. Priority Pass Lounges

The Centurion Lounges rival even some of the business class lounges in the world. They offer shower suites to freshen up, hot food choices, premium liquor, handmade cocktails, and even complimentary massage treatments depending on which location you visit.

You don’t get any access to these lounges with the Amex Business Gold card.

Does the Amex Business Platinum get an Uber credit?

No, the Amex Business Platinum does not get an Uber credit.

Is the Amex Business Gold card worth it?

It depends. The biggest selling point of the Amex Business Gold card is the 4x points on bonus categories. If you don’t see yourself as a big spender but see yourself traveling a lot, you might want to consider the Amex Business Platinum card, which offers tons of travel benefits just by holding the card.

Is the Amex Business Platinum Card worth it?

It depends. While it has a hefty $595 annual fee (see rates and fees), the perks are enormous. Here are just some of the benefits you get just from holding this card:

  • $200 Dell credit (terms apply).
  • Up to $200 credit for airline incidentals.
  • $100 TSA PreCheck/Global Entry credit.
  • 5x points on airfare and prepaid hotels on
  • 10 Gogo Wi-Fi passes (benefit ending 1/1/20).
  • 1 year of WeWork Platinum Global Access membership (last day to register 12/31/19).
  • Access to the Fine Hotels & Resorts and more!

Which is better: the Amex Business Gold or Amex Business Platinum?

It’s very difficult to answer this, as everybody’s exact situation will vary. While the Amex Business Platinum card has a higher annual fee, the benefits you will reap from having this card are huge. You’ll get up to $5,000 in yearly value just by having this card if you use the numerous perks.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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  1. Would be great if you could get into detail about employee cards when adding and how it works as it is confusing. My Platinum offers the 3 types Platinum, Gold and Green. However, what are the benefits employees receive vs. me by let’s paying the $300 Platinum for them? Or if I choose the Gold for $45 do they receive the benefits of the Gold card or is something else?


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