This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Now that travel and businesses are opening up again, you may be looking for a business card that earns rewards and comes with a variety of benefits. American Express offers two flexible travel rewards cards for business travelers—The American Express® Business Gold Card and The Business Platinum Card® from American Express.

Both cards cater to different types of business purchases, but you can still redeem your Membership Rewards points for award travel or cash rewards. Let’s not only see what is the best option for you, but we’ll also compare the two cards. Who wins between the Amex Business Gold vs. Amex Business Platinum?

120,000 Points The Business Platinum Card® from American Express

70,000 Points: American Express® Business Gold Card

Rendering of the expanded Seattle Centurion Lounge. Credit: American Express

Terms apply to American Express benefits and offers. Visit to learn more.

Welcome Offers

This review of the Amex Business Gold vs. Amex Business Platinum can help determine which welcome offer is going to be better suited for your business spending.

Amex Business Gold: New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 

*Terms apply.

Amex Business Platinum: New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.

Earning Points

Now onto the fun part of this Amex Business Gold vs. Amex Business Platinum review—spending categories. You’ll find that there is a variety of ways to earn Membership Rewards points on these cards. Which category does your business spend more in on a monthly and annual basis?

Amex Business Gold: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*
Amex Business Platinum: 5x points on select purchases

Both cards earn American Express Membership Rewards Points. However, you’ll need to pick which earning option is more lucrative for you.

American Express Business Gold Card

American Express Business Gold Card allows you to earn 4x Membership Rewards points on the 2 select categories where your business spent the most each month*. To calculate your top 2 categories each billing cycle, Amex looks at your account transactions that fall into the 6 categories below. They then issue additional points based on your 2 highest categories of total spend. These select categories include:

  • airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded)
  • advertising purchased in the U.S. to promote your business online, on television, or on the radio
  • computer hardware, software, and cloud computing purchases in the U.S. made directly from select technology providers (the current list of select technology providers is available at
  • gasoline at gas stations located in the U.S. (superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations)
  • restaurants located in the U.S.
  • shipping services purchased in the U.S. for courier, postal, and freight

Note that these 4x points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. All other purchases earn 1x point per $1 spent.

Additionally, cardholders also have access to a Pay Over Time Option, which is a flexible payment option, with interest, to help manage cash flow on purchases of $100 or more (terms apply).

*Terms apply.

The Business Platinum Card from American Express

The purchase rewards tiers are more straightforward with The Business Platinum Card from American Express:

  • 5x Membership Rewards® points on flights and prepaid hotels booked on
  • 1.5x Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

Frequent flyers benefit the most from the Business Platinum because of the 5x bonus, it’s the highest reward rate for any travel rewards card when it comes to airline purchases.

Big spenders can also benefit greatly from the 1.5x large purchase bonus too.

Redeeming Membership Rewards Points

Business Platinum Card 35% Redemption Bonus

Additionally, cardholders can get a 35% airline bonus when using their points to pay for all or part of a flight with a qualifying airline booked on, up to 500,000 bonus points annually. So, if you redeem 5,000 points on an award flight, you will get 1,750 points back for future redemptions.

You can compare the American Express Business Platinum vs Chase Ink Business Preferred Credit Card if you want to learn about another business card that has a travel redemption bonus.

1:1 Point Transfers

Your points have a maximum redemption value of 1 cent on air travel or gift cards when you redeem them directly through American Express. They can be more valuable if you can transfer them to a 1:1 airline or hotel travel partner.

However, with the Business Platinum, your transferred points need to be worth at least 1.35 cents once you factor in the 35% redemption bonus.

Some of the most valuable Membership Rewards transfer partners include:

  • ANA
  • British Airways
  • Delta SkyClub
  • Emirates
  • Etihad
  • Singapore Airlines KrisFlyer

Additional Card Benefits

The Business Platinum Card earns its weight in platinum with the additional card benefits.

However, before we cover those, let’s review which benefits both cards share:

  • Purchase Protection
  • Extended Warranty
  • Baggage Insurance (Up to $1,250 for Gold and up to $3,000 for Platinum)
  • Premium Roadside Assistance
  • Employee Expense Management Tools

Additionally, both of these cards are some of the best American Expresss business cards.

Amex Business Gold

For the most part, the Amex Business Gold primarily focuses on earning bonus points on your most common business purchases. In turn, you can redeem them for award travel on Amex Travel or transfer them to a 1:1 travel partner. You probably won’t choose the Business Gold specifically for its additional card benefits.

Platinum Business Card

The Business Platinum Card from American Express is full of additional travel benefits that primarily benefit frequent flyers:

  • Up to $200 airline fee credit (terms apply; in the form of statement credits—enrollment required))
  • Complimentary access to airport lounge networks (enrollment may be required)
  • Global Entry/TSA PreCheck application fee reimbursement
  • 35% airline redemption bonus (up to 500,000 points per calendar year)

Additionally, unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe, and up to $120 on wireless telephone purchases. Enrollment required.

Plus, get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. Other airport benefits include a $179 annual CLEAR® credit when you use your Card to enroll in CLEAR® membership and access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. 

If you can benefit from these travel benefits, it can be worth springing for the Business Platinum.

Annual Fee

Amex Business Gold: $295 (See Rates and Fees)
Amex Business Platinum: $595 ($695 if the application is received on or after 1/13/2022; See Rates & Fees).

As you might guess by the card names, the American Express Business Gold Card has a lower annual fee. Of course, you will get fewer card benefits than the Business Platinum Card, so you will have to weigh that tradeoff.

However, neither of these business credit cards charges a foreign transaction fee, making them viable options for international travel.

When to Try For the Amex Business Gold

You should go for the Amex Business Gold in these instances:

  • Earn more from the 4x bonus categories*
  • You benefit from 25% points back after you use points for all or part of an eligible flight booked with Amex Travel (up to 250,000 points back per calendar year)*
  • Won’t benefit from the Business Platinum’s additional travel benefits
  • Can’t meet the Business Platinum welcome bonus spending requirements

Once again, you may also enjoy the Business Gold because of its multiple bonus categories. Here’s how hard it is to get the Amex Business Gold.

*Terms apply.

When to Try for the Amex Business Platinum

The Amex Business Platinum is the better option and can be worth it if you can enjoy these benefits:

  • Want to earn 5x points on airline purchases
  • Make $5,000 in purchases
  • Benefit from the premium air travel benefits
  • Can use the up the statement credits

You will benefit most from this card if you can maximize the air travel rewards and benefits. Plus, making a large purchase is also a huge bonus too (terms apply).

Here’s how hard it is to get the Amex Business Platinum.


In conclusion, both of these small business cards let you earn Membership Rewards. Additionally, you have access to 1:1 point transfers which makes each point more valuable than the average card rewards point. Pick the card that offers the most useful purchase rewards and additional benefits for you and you can’t go wrong.

120,000 Points The Business Platinum Card® from American Express

70,000 Points: American Express® Business Gold Card

Related Articles:

For rates and fees of the American Express® Business Gold Card, please click here

For rates and fees of The Business Platinum Card® from American Express, please click here.


Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

0 Comments On "Who Wins? Amex Business Gold vs. Amex Business Platinum"

Leave a Reply

Required fields are marked *

Exit mobile version