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All comparisons
Head-to-head, 2026

American Express Blue Business Plus American Express Business Gold

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Business Plus

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
—
Min spend
$3,000 / 3mo

Top earning rates

  • 2×All other purchases · Amex Membership Rewards
  • 1×All other purchases · Amex Membership Rewards

Key benefits

  • Purchase protection · $0
  • Year-End Summary · $0
  • Expanded Buying Power · $0
  • Global Assist Hotline · $0
  • Connect to QuickBooks · $0
Full American Express Blue Business Plus review

American Express

Business Gold

Annual fee
$199
Network
amex
Welcome value
$2,000
Min spend
$15,000 / 3mo

Top earning rates

  • 4×Top two select categories · Membership Rewards
  • 3×Travel · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • Employee Cards · $0
  • No Foreign Transaction Fees · $0
Full American Express Business Gold review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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