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All comparisons
Head-to-head, 2026

American Express Business Gold American Express Marriott Bonvoy Business

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

Lower annual fee: American Express Marriott Bonvoy Business

American Express

Business Gold

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

Top earning rates

  • 4×2 categories where your business spends the most in each billing cycle from 6 categories · 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

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 4×Restaurants worldwide
  • 4×Standalone U.S. gas stations
  • 2×All other eligible purchases

Key benefits

  • Additional Free Night Award (Spend Tier) · $263
  • Annual Free Night Award · $263
  • American Express Venue Collection · $250
  • Amex Event Perks · $0
  • Amex Special Ticket Access · $0
Full American Express Marriott Bonvoy Business 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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