Amex Blue Cash Everyday vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
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Amex Business Gold wins 3-2. Small businesses — 4x on top 2 spend categories from a list of 6. Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket — blue cash preferred minus the fee..
Side-by-side
| Criterion | Amex Blue Cash Everyday | Amex Business Gold |
|---|---|---|
| Annual fee | No annual fee | · $375 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $200 statement credit after $2,000 spend in first 6 months | = 70,000 Membership Rewards points after $10,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.3/5 | 4.5/5 |
Benefits compared
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
FAQ
›Amex Blue Cash Everyday vs Amex Business Gold: which is better?
Amex Business Gold wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Everyday for its best categories, Amex Business Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.