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All comparisons
Head-to-head, 2026

American Express Business Gold American Express Business Platinum

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

Lower annual fee: American Express Business Gold

American Express

Business Gold

Annual fee
$375
Network
amex
Welcome value
—
Min spend
$15,000 / 3mo

Top earning rates

  • 4×Purchases at U.S. media providers for advertising in select media (online, TV, radio) · Membership Rewards
  • 3×Flights & Pre-Paid Hotels · Membership Rewards
  • 3×The Hotel Collection · Membership Rewards
  • 1×All Other Eligible Purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • $155 Walmart+ Credit · $13
  • Car Rental Loss and Damage Insurance · $0
Full American Express Business Gold review

American Express

Business Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$20,000 / 3mo

Top earning rates

  • 5×Vacation rentals · Membership Rewards
  • 5×Hotels · Membership Rewards
  • 5×Flights · Membership Rewards
  • 2×All other purchases · Membership Rewards

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Amex Travel Online Flight Credit (Spend Tier) · $1200
  • Additional Dell Technologies Credit (Spend Tier) · $1000
  • $300 ChatGPT Business Credit · $300
  • $600 Hotel Credit · $300
Full American Express Business Platinum 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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