Amex Business Gold vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Discover It Miles wins 3-2. No-fee flat travel earn — first-year doubled effectively makes it 3x. Amex Business Gold is still the right call if small businesses — 4x on top 2 spend categories from a list of 6..
Side-by-side
| Criterion | Amex Business Gold | Discover It Miles |
|---|---|---|
| Annual fee | · $375 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 1.5% (general) |
| 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 | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| 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
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Amex Business Gold vs Discover It Miles: which is better?
Discover It Miles 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 Business Gold for its best categories, Discover It Miles 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. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).