American Express Platinum vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
American Express Platinum wins 2-1. Heavy travelers wanting Centurion Lounge access + status credits. 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 Platinum | Amex Business Gold |
|---|---|---|
| Annual fee | · $695 | $375 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 80,000 Membership Rewards points after $8,000 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 | = 720 | = 720 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
American Express Platinum
- 5x points on flights booked direct or via amextravel
- Centurion Lounge + Priority Pass + Delta SkyClub access
- $200 annual airline fee credit + $200 Uber Cash
- $200 hotel credit + $189 CLEAR credit
- Marriott Bonvoy Gold + Hilton Honors Gold status
- 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 Platinum vs Amex Business Gold: which is better?
American Express Platinum wins on more dimensions (2 vs 1). 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 Platinum 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 Platinum: 80,000 Membership Rewards points after $8,000 in 6 months. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.