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

Key Takeaways

• The Business Platinum Card^® from American Express has premium travel benefits like lounge access, earns 5x points on flights and prepaid hotels booked through AmexTravel.com, provides travel benefits, and business-focused credits.
• The American Express^® Business Gold Card earns 4x points in your top 2 eligible spending categories (up to $150,000 in combined purchases every calendar year), making it ideal for businesses with high spending in specific areas.
• The Amex Business Platinum card is great for travelers seeking premium perks, while the Amex Business Gold card offers fewer benefits, but its annual fee is about 50% less.

American Express has several top-notch Membership Rewards cards and is most famous for 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 its cards and its 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 two of the most popular Amex 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.

Card Overview

Card Snapshots

ELEVATED WELCOME OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.24% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.24% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Welcome Offer Comparison

Historically, welcome bonus offers have played an important role in whether or not you open a new card with any sense of urgency. Welcome offers are one of the best ways to kick-start your rewards accrual and should be a big factor in deciding which card you get.

See the Card Snapshots tables at the top of this article for any welcome offers and fees for each card.

Remember that the welcome offer 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 offer.

The value of a welcome offer is somewhat subjective, though you’ll find that American Express Membership Rewards points are incredibly 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 offer could be worth a ton, depending on the exact magnitude of the welcome offer.

Access to American Express Membership Rewards

The first thing that the Amex Business Gold card and Amex Business Platinum cards have in common is access to American Express Membership Rewards, 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.

Bonus Spending Categories

The Amex Business Platinum card earns:

• 5x points on flights and prepaid hotels booked at AmexTravel.com.
• 2x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)

The Amex Business Gold card earns:

• This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  •  U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

Redeeming Points

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

You can also redeem your points for statement credits, gift cards, shopping partners, Uber, Amazon, and Ticketmaster. These redemptions, while available, are generally not recommended because of the lack of value you receive (usually less than 1 cent per point) in return.

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

Pay With Points Rebate

When booking a ticket with your selected qualifying airline through AmexTravel.com, you can choose the Pay With Points option, which would enable you to get a 35% rebate on your points on the Amex Business Platinum card, up to 1 million points back per calendar year.

As an example, to get the full 1 million points back per year on the Amex Business Platinum card, you’d have to redeem 2,857,143 points toward eligible flights.

Statement and Fee Credits

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.

Perhaps the most straightforward way to get outsized value from a card is to take advantage of the statement and fee credits offered.

Amex Business Gold Card

Up to $240 Statement Credit

Earn up to $20 in statement credits monthly after you use the Amex Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment is required.

Up to $155 Walmart+ Credit

Use your Business Gold Card to pay for a monthly Walmart+ membership (subject to automatic renewal) and receive a statement credit that covers up to $12.95 plus taxes.

Amex Business Platinum Card

The Amex Business Platinum card offers great statement credit benefits:

$600 Hotel Credit

Cardholders are eligible for a statement credit of up to $300 twice a year (once from January to June and once from July to December) for Amex Fine Hotels + Resorts (1 night minimum) or The Hotel Collection (2 night minimum) properties booked through AmexTravel.com.

Up to $200 Yearly Airline Fee Credit

The first statement credit offered by the Amex Business Platinum card is up to $200 in airline fee and incidentals credits. The best use of these fee credits is toward 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.

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

Up to $1,150 Yearly Dell Credit

A unique perk of the Amex Business Platinum card is getting up to $1,150 in statement credits annually for U.S. purchases with Dell. This enrollment-required perk is for purchases made directly with Dell or at dell.com in the U.S. and U.S. territories. Also, all items must be shipped to a U.S. address to qualify.

To break it down further, you get up to $150 in statement credits annually and another $1,000 in statement credits when spending $5,000 or more.

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

Up to $360 Indeed Credit

One of the newest benefits available to Amex Business Platinum cardholders is the Indeed credit, which amounts to a maximum of $360 every year (up to $90 per quarter).

You get a statement credit on all hiring and recruiting products and services on Indeed’s website to post job openings.

Up to $200 Hilton Statement Credit

Once you enroll, you receive up to $200 in Hilton statement credits per calendar year — up to $50 per quarter. Purchases must be made directly with a property in the Hilton portfolio on your Amex Business Platinum card, and a Hilton for Business membership is required.

Up to $250 Adobe Credit

Another benefit available to those with the Amex Business Platinum card is the Adobe credit, which amounts to a maximum of $250 per year on U.S. Adobe purchases when you spend $600 or more. Enrollment is required.

Up to $120 Wireless Credit

Another great benefit you can count on is the $120 credit for wireless telephone services (split up into monthly statement credits of up to $10). When you make purchases directly with any U.S. wireless telephone provider, you can qualify for this credit. This includes providers like T-Mobile, Verizon, AT&T, Sprint, and so on.

$209 CLEAR Plus Credit

CLEAR’s flagship annual membership program costs $209. With the Amex Business Platinum card, you can get a statement credit for that entire amount every year just by holding this card! This is another excellent way to get even more value from your card.

Up to $120 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:

• Up to $120 in Global Entry fee credit every 4 years
• Up to $85 to cover the TSA PreCheck fee every 4 1/2 years

Global Entry actually includes TSA PreCheck, so it’s always advisable to go for Global Entry. Global Entry enables you to clear immigration upon arrival in the U.S. However, just keep in mind that Global Entry takes much longer to get than TSA PreCheck.

Amex Travel Online Flight Credit

After spending $250,000 in a calendar year, you get a $1,200 online flight statement credit to use the following calendar year through AmexTravel.com

One AP Statement Credit

After spending $250,000 in a calendar year, you get a $2,400 statement credit to use the following calendar year for American Express One AP expenses.

Airport Lounge Access 

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

Well, in addition to a Priority Pass Select membership upon enrollment, you have access to the rest of the Global Lounge Collection, which includes Amex Centurion Lounges, International Centurion Lounges, Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, select Virgin Clubhouses, select Lufthansa Lounges when flying with Lufthansa Group the same day, and 10 visits to Delta Sky Clubs (when flying Delta) with the ability to unlock unlimited visits through spend. That’s over 1,550 airport lounges.

In a Centurion Lounge, you get hot food buffet and premium alcohol and cocktails. Also, you can revel in comfort in the shower suites, which is a great way to freshen up before a flight. 

Hotel Program Benefits 

The Hotel Collection

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

On stays of at least 2 nights with any of the 600 hotels worldwide, you 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 get access to both Hotel Collection and Fine Hotels + Resorts properties, whereas the Amex Business Gold card gives you access to only Hotel Collection properties.

Amex Business Platinum Card

Fine Hotels + Resorts Program

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
• Noon check-in, when available
• Guaranteed 4 p.m. late checkout
• 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 could 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 Honors has potentially the best midtier hotel elite status. You can enroll and get the midlevel Hilton Honors Gold status just by holding the Amex Business Platinum card.

Here are the perks you get:

• Complimentary continental breakfast at all hotels
• Space available room upgrades (excludes suites)
• 80% bonus points toward 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
  • Fifth 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.

Marriott Bonvoy Gold Elite Status

With the Amex Business Platinum card, you can also enroll and get Marriott Bonvoy Gold Elite status, which isn’t as valuable as Hilton Honors Gold status.

You get these perks:

• Complimentary enhanced in-room internet access
• Priority 2 p.m. late checkout
• 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.

Leading Hotels of the World Sterling Status

With this card, you’re eligible to enroll in Leading Hotels of the World Sterling status.

Here are just some of the benefits you get:

• Upgrade upon arrival when available
• Continental breakfast for 2
• Early check-in and late checkout considerations
• Sixt Platinum status
• 5 prearrival upgrades annually
• 5% stay bonus

Car Rental Benefits

Secondary Car Rental Insurance

Secondary car rental loss and damage insurance is essentially the insurance that kicks in to cover charges and fees that the primary rental car coverage doesn’t. Basically, you 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 get coverage.

Different cards offer different amounts and types of coverage. Amex’s website shows all of the policies for each card.

Ability To Purchase Primary Car Rental Insurance

We’ve written extensively about 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 car rental insurance, you can purchase primary car rental insurance at a relatively reasonable rate. Keep in mind that the policy doesn’t include liability coverage.

Car Rental Elite Status (Amex Business Platinum only)

With the Amex Business Platinum card, you get the following benefits at 3 car rental agencies:

1. Avis Preferred
   • 15% off published car rental rates
   • Special upgrade and discount codes
   • Bypass the line so you can go straight to your car
2. Hertz Gold Plus President’s Circle Status
   • Skip the counter and go straight to your car
   • 4-hour grace period before an extra day is charged (e.g., 1-day rental is valid for 28 hours)
   • 50% bonus on rewards
   • Guaranteed car class upgrade
   • Add an additional driver for free
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 midsize reserved rate. 

Cruise Privileges

If you hold the Amex Business Platinum card, you receive some top-tier perks for cruises as part of the Cruise Privileges Program. Specifically, if you book cruises of at least 5 nights on AmexTravel.com or an eligible provider, you can receive the following credits:

• $100 credit for inside and outside staterooms, $200 credit for balcony, verandah, and minisuite staterooms, and $300 credit for suites on Celebrity Cruises, Holland America, Norwegian Cruise Line, Princess Cruises, and Royal Caribbean International
• $300 for all staterooms on Ama Waterways, Azamara, Crystal, Oceania, Regent, Seabourn, Silversea, Uniworld, and Windstar
• $300 credit for all Queen Elizabeth or Queen Victoria ocean-view staterooms of category FA or higher and all Queen Mary ocean-view staterooms of category EF or higher on Cunard

Double occupancy is required.

Travel Insurance and Protection 

Baggage Insurance

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 doesn’t count.

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

High-risk items 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 audiovisual equipment, wearable technology
• Sporting equipment

Amex Business Gold cardholders receive up to $500 in insurance for damaged, lost, or stolen checked bags. They also receive $1,250 in insurance for carry-on bags and up to $250 for high-risk items.

Premium Global Assist

Cardholders of the Amex Business Platinum card, along with the Amex Platinum card and Centurion card, 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 or life-or-death situation.

Shopping Benefits and Protection

Access to Amex Offers

Amex Offers is one of the best aspects of holding an American Express card. Some of these offers have historically included promotions like spending $300 with Marriott to receive $60 back and getting 2,000 Membership Rewards points after spending $50 on Amazon.

Needless to say, Amex Offers are an amazing way to stack discounts and bonus points on purchases that you were going to make anyway.

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

Extended Warranty

When you buy something, you sometimes receive a warranty on the item. When you buy something using either the Amex Business Platinum card or the Amex Business Gold card, you 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 adds another year.
• If your purchase includes a warranty of 2 to 5 years, your warranty is extended by another year.
  • If your product has a warranty of 4 years, your total warranty becomes 5 years.

Purchase Protection

The Amex Business Platinum card and Amex Business Gold card both have purchase protection plans, though the Amex Business Platinum card 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.

Business Management Tools 

Expense Management and QuickBooks

One of the most underrated benefits of the Amex Business Platinum card and Amex Business Gold card 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 Spend Manager, that 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

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 you to delegate 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 employees and authorized cardholders.

Additional Card Benefits Not To Overlook

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 professionals Amex has stationed at every corner of the globe are, most importantly, 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.

No Foreign Transaction Fees

There are no foreign transaction fees for either the Amex Business Platinum card (rates & fees) or the Amex Business Gold card (rates & fees).

Metal Cards

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

This is intentional, as it literally carries more weight (pun intended) both in conversation and in hand. The Amex Business Platinum card weighs around 18 grams, and the Amex Business Gold card is slightly lighter at 15 grams.

FX International Payments Fee Waiver

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.

Adding Additional Users

With the Amex Business Platinum card, you must pay $400 per year for Employee Cards. Additional Expense Cards are free.

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 card and Amex Business Gold card.

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

The bonus categories on the Amex Business Platinum card are somewhat scanty, but the 5x points on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com can be extraordinarily useful for the right business owner.

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

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

*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For the baggage insurance plan benefit of The Business Platinum Card^® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the American Express^® Business Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of The Business Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the car rental loss and damage insurance benefit of the American Express^® Business Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the extended warranty benefit of The Business Platinum Card^® from American Express and American Express^® Business Gold Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Business Platinum Card^® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express^® Business Gold Card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of The Business Platinum Card^® from American Express and American Express^® Business Gold Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Business Platinum Card^® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of The Business Platinum Card^® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the premium global assist hotline benefit of The Business Platinum Card^® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the American Express^® Business Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the global assist hotline benefit of the American Express^® Business Gold Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.