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All comparisons
Head-to-head, 2026

American Express Gold Citi AAdvantage Business

American Express Gold

$325/yr

Gold
AAdvantage Business

Citi AAdvantage Business

$99/yr

Every $1 · two cards

American Express Gold earns more in 7 of 9 categories · Citi AAdvantage Business in 1

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    1×1.45¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    1×1.45¢ per $1
  • Gas
    1×2¢ per $1
    2×2.9¢ per $1
  • Flights
    3×6¢ per $1
    1×1.45¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    1×1.45¢ per $1
  • Everything else
    1×2¢ per $1
    1×1.45¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Citi AAdvantage Business

American Express

Gold

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

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Citi

AAdvantage Business

Annual fee
$99
Network
mastercard
Welcome value
~$1,088
Min spend
$5,000 / 5mo

Top earning rates

  • 2×Eligible American Airlines purchases · AAdvantage
  • 2×Gas stations and car rental merchants · AAdvantage
  • 2×Telecommunications merchants and cable and satellite providers · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Companion Certificate (Spend Tier) · $250
  • First checked bag free · $140
  • 25% Inflight Savings · $0
  • No Foreign Transaction Fees · $0
  • Citi Entertainment access · $0
Full Citi AAdvantage 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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