Head-to-head · 🇺🇸 United States
Amex Business Gold vs Bank of America Premium Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Business Gold
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Bank of America
Bank of America Premium Rewards
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Business Gold | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | · $375 | $95 |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 2% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 months | = 60,000 points after $4,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
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
Bank of America Premium Rewards
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Business Gold vs Bank of America Premium Rewards: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Business Gold wins on 2 criteria, Bank of America Premium Rewards on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Gold for its best categories, Bank of America Premium Rewards for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Bank of America Premium Rewards: 60,000 points after $4,000 spend in 90 days.