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All comparisons
Head-to-head, 2026

American Express Business Gold American Express Schwab 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 GoldBigger welcome offer: American Express Business Gold

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

American Express

Schwab Platinum

Annual fee
$695
Network
amex
Welcome value
$800
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Flights · Membership Rewards
  • 5×Hotels · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • Annual Schwab Appreciation Bonus · $1000
  • $300 Equinox Credit · $300
  • $600 Hotel Credit · $300
  • Cruise Privileges Program · $300
  • $300 SoulCycle At-Home Bike Credit · $300
Full American Express Schwab 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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