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All comparisons
Head-to-head, 2026

American Express Business Platinum American Express 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 GoldBigger welcome offer: American Express Business Platinum

American Express

Business Platinum

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

Top earning rates

  • 5×flights · Membership Rewards
  • 5×hotels · Membership Rewards
  • 1.5×business expenses · Membership Rewards
  • 1.5×large purchases · Membership Rewards

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Amex Travel Online Flight Statement Credit (Spend Tier) · $1200
  • Hotel Credit · $600
  • 35% Airline Bonus · $500
  • Hotel Elite Status · $400
Full American Express Business Platinum review

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 4×dining · Membership Rewards
  • 4×grocery · Membership Rewards
  • 3×flights · Membership Rewards
  • 2×travel · Membership Rewards

Key benefits

  • $100 The Hotel Collection Credit · $100
  • Car Rental Loss and Damage Insurance · $75
  • $100 Resy Credit · $50
  • Baggage Insurance Plan · $50
  • No Foreign Transaction Fees · $35
Full American Express 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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