Head-to-head · 🇺🇸 United States
Citi Premier vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Premier
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 | Citi Premier | Amex Business Gold |
|---|---|---|
| Annual fee | $95 | · $375 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 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 | · 4.4/5 | 4.5/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- 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
›Citi Premier vs Amex Business Gold: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Premier 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 Citi Premier 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?
Citi Premier: 60,000 ThankYou points after $4,000 in 3 months. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.