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You may be on the hunt for a business card that earns travel and business rewards but also comes with a variety of benefits. One of the top card issuers, American Express, has some valuable options that are worth considering—The American Express® Business Gold Card and The Business Platinum Card® from American Express. Here’s a preview of their bonus offers:

70,000 Bonus Membership Rewards® points: American Express® Business Gold Card

120,000 Bonus Membership Rewards® points: The Business Platinum Card® from American Express

View from Keystone Lodge. Credit: Johnny Jet

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more.

Business Gold vs Business Platinum

Both cards cater to different types of business purchases, but you can still redeem your Membership Rewards® points for award travel or cash rewards. Let’s not only see what is the best option for you, but we’ll also compare the two cards. Who wins between the Amex Business Gold vs. Amex Business Platinum?

Earning Membership Rewards Points

Now onto the fun part of this Amex Business Gold vs. Amex Business Platinum review—spending categories. You’ll find that there is a variety of ways to earn Membership Rewards points on these cards. The key to finding the best card is to look at which category your business spends more in on a monthly and annual basis.

American Express Business Gold Card

American Express Business Gold Card allows you to earn 4x Membership Rewards points on the 2 select categories where your business spent the most each month, up to $150,000 annually (then 1x point). To calculate your top 2 categories for each billing cycle, Amex looks at your account transactions that fall into the 6 categories below. They then issue additional points based on your 2 highest categories of total spending. These select categories include:

  • U.S. purchases at electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges that are made directly from a wireless telephone service provider in the U.S.
  • Transit purchases including trains, taxicabs, rideshares, ferries, tolls, parking, buses, and subways
  • Purchases at U.S. media providers for advertising in select media (online, TV, and radio)
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery

Additionally, American Express Travel purchases through will now earn 3x points per $1.

All annual spending above $150,000 for the bonus categories and all non-bonus spending earns an unlimited 1x point per $1.

Related Article: Best Business Credit Cards for Advertising Spending

The Business Platinum Card from American Express

The purchase rewards tiers are more straightforward with The Business Platinum Card from American Express:

  • 5x Membership Rewards® points on flights and prepaid hotels booked on
  • Earn 1x points for each dollar spent on eligible purchases.

Cardholders earn 1.5x points (that’s an extra half point per dollar) on eligible purchases at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

Frequent flyers benefit the most from the Business Platinum because of the 5x bonus, and it’s the highest reward rate for any travel rewards card when it comes to airline purchases.

Big spenders can also benefit greatly from the 1.5x large purchase bonus too.

Welcome Bonus Offers

This review of the Amex Business Gold vs. Amex Business Platinum can help determine which welcome offer is going to be better suited for your business spending.

Amex Business Gold: New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Amex Business Platinum: New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. 

These are some of the best credit card offers available.

Redeeming Membership Rewards Points

How can you redeem your Membership Rewards points? There are several redemption options. These include:

  • Covering card charges
  • Redeem for gift cards
  • Book or upgrade travel
  • Transfer points
  • Use them to go shopping

Cards that earn Membership Rewards points come with the above options.

Business Platinum Card from American Express

Additionally, The Business Platinum Card from American Express cardholders can get a 35% airline bonus when using their points to pay for all or part of a flight with a qualifying airline booked on, up to 500,000 bonus points annually. So, if you redeem 5,000 points on an award flight, you will get 1,750 points back for future redemptions.

You can compare the American Express Business Platinum vs Chase Ink Business Preferred Credit Card if you want to learn about another business card that has a travel redemption bonus.

1:1 Point Transfers

Your points have a maximum redemption value of 1 cent on air travel or gift cards when you redeem them directly through American Express. They can be more valuable if you can transfer them to a 1:1 airline or hotel travel partner.

Some of the most valuable Membership Rewards transfer partners include:

  • ANA
  • British Airways
  • Delta SkyClub
  • Emirates
  • Etihad
  • Singapore Airlines KrisFlyer

Additional Card Benefits

The Business Platinum Card earns its weight in platinum with the additional card benefits.

However, before we cover those, let’s review which benefits both cards share:

  • Purchase Protection
  • Extended Warranty
  • Baggage Insurance (Up to $1,250 for Gold and up to $3,000 for Platinum)
  • Premium Roadside Assistance
  • Employee Expense Management Tools

Additionally, both of these cards are some of the best American Express business cards.

Amex Business Gold

For the most part, the American Express® Business Gold Card primarily focuses on earning bonus points on your most common business purchases. You probably won’t choose the Business Gold specifically for its additional card benefits.

These qualifying expenses are eligible for card statement credits when using the Business Gold Card:

  • $240 flexible statement credit: Up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required.
  • Walmart+ membership credit: Receive a statement credit that covers the full cost each month, valued at $155 annually (subject to auto-renewal).

In addition to these new Business Gold benefits, you can continue receiving up to $100 in experience credits to spend on qualifying dining, spa, and resort activities when you book hotel stays through The Hotel Collection from American Express and stay at least two consecutive nights. Note that the credit varies by property.

In addition to earning up to 4x Membership Rewards per $1 on cell phone bills, your qualified devices can be eligible for up to $800 per claim in cell phone protection. You may be reimbursed the lesser of your repair or replacement costs following damage or theft for a maximum of $800 per claim when the cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid with an eligible card account.

However, a $50 deductible applies to each claim. Additionally, there is a limit to two approved claims per 12-month period. Additional terms and conditions apply.

Platinum Business Card

The Business Platinum Card from American Express is full of additional travel benefits that primarily benefit frequent flyers:

Additionally, unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

Plus, get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.

Cardholders can get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when they use their Business Platinum Card®.

With complimentary access to more than 1,400 airport lounges across 140 countries and counting, with The American Express Global Lounge Collection®. You have more airport lounge options than any other credit card issuer on the market as of 03/2023. Enrollment is required for some lounges.

If you can benefit from these travel benefits, it can be worth springing for the Business Platinum.

Annual Fee

Amex Business Gold: $375 (See Rates & Fees).

Amex Business Platinum: The annual fee is $695 (See Rates & Fees).

As you might guess by the card names, the American Express Business Gold Card has a lower annual fee. Of course, you will get fewer card benefits than the Business Platinum Card, so you will have to weigh that tradeoff.

However, neither of these business credit cards charges a foreign transaction fee, making them viable options for international travel.

When to Try For the Amex Business Gold

You should go for the American Express® Business Gold Card in these instances:

  • Earn more from the 4x bonus categories
  • Won’t benefit from the Business Platinum’s additional travel benefits
  • Can’t meet the Business Platinum welcome bonus spending requirements

Once again, you may also enjoy the Business Gold because of its multiple bonus categories. Here’s how hard it is to get the Amex Business Gold.

Plus, business customers can now request the Rose Gold card design in addition to the classic Gold design.

When to Try for the Amex Business Platinum

The Amex Business Platinum is the better option and can be worth it if you can enjoy these benefits:

  • Want to earn 5x points on airline purchases
  • Make $5,000 in purchases
  • Benefit from the premium air travel benefits
  • Can use the statement credits

You will benefit most from this card if you can maximize the air travel rewards and benefits. Plus, making a large purchase is also a huge bonus too (terms apply).

Here’s how hard it is to get the Amex Business Platinum.


In conclusion, both of these small business cards let you earn Membership Rewards. Additionally, you have access to 1:1 point transfers which makes each point more valuable than the average card rewards point. Pick the card that offers the most useful purchase rewards and additional benefits for you, and you can’t go wrong.

70,000 Bonus Membership Rewards® points: American Express® Business Gold Card

120,000 Bonus Membership Rewards® points: The Business Platinum Card® from American Express

Related Articles:

For rates and fees of the American Express® Business Gold Card, please click here.

And For rates and fees of The Business Platinum Card® from American Express, please click here.

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