American Express Gold vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
American Express Gold wins 3-0. Heavy restaurant + grocery spenders ($1K+/mo on food) 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 | American Express Gold | Amex Business Gold |
|---|---|---|
| Annual fee | $325 | · $375 |
| Joining fee | = None | = None |
| Top reward rate | = 4% (dining) | = 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 Membership Rewards points after $6,000 in 6 months | = 70,000 Membership Rewards points after $10,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
American Express Gold
- 4x points at restaurants worldwide (incl. Uber Eats)
- 4x at U.S. supermarkets (up to $25K/year)
- 3x on flights booked direct or via amextravel.com
- $120 annual dining credit ($10/mo at select partners)
- $120 annual Uber Cash
- No foreign transaction fees
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
›American Express Gold vs Amex Business Gold: which is better?
American Express Gold wins on more dimensions (3 vs 0). 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 American Express Gold 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?
American Express Gold: 60,000 Membership Rewards points after $6,000 in 6 months. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.