Head-to-head · 🇺🇸 United States
Apple Card vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
US
American Express
Amex Business Gold
AMERICAN
EXPRESS
EXPRESS
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 | Apple Card | 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 | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — daily cashback model | = 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 | 660 | · 720 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
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
›Apple Card vs Amex Business Gold: which is better?
It's a true tie — pick the one whose boost categories match your spend. Apple Card wins on 2 criteria, Amex Business Gold on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Apple Card 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?
Apple Card: No welcome bonus — daily cashback model. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.