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American Express Business Gold Card vs The Business Platinum Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Business Gold Card 2.0% 1x base rate
  2. The Business Platinum Card 2.0% 1x base rate

Electronics stores

  1. The Business Platinum Card 4.0% 2x
  2. Business Gold Card 2.0% 1x base rate

Home improvement

  1. The Business Platinum Card 4.0% 2x
  2. Business Gold Card 2.0% 1x base rate

Shipping

  1. The Business Platinum Card 4.0% 2x
  2. Business Gold Card 2.0% 1x base rate

Flights · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. Business Gold Card · American Express Travel 6.0% 3x

Hotels · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. Business Gold Card · American Express Travel 6.0% 3x

What the numbers are doing

Business Gold Card lets you choose 2 categories to earn 4x on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

The table is earn rate only — annual fees are not netted out of it. These cards charge Business Gold Card $375 and The Business Platinum Card $895 a year, so a thin lead in one category may not cover the difference.

Where they differ: The Business Platinum Card takes electronics stores, home improvement and shipping. Business Gold Card wins nothing outright in this wallet.

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Pass content preview
CategoryBest card
Everything elseBusiness Gold Card2.0%
Electronics storesThe Business Platinum Card4.0%
Home improvementThe Business Platinum Card4.0%
ShippingThe Business Platinum Card4.0%
Flights · portalThe Business Platinum Card · American Express Travel10.0%
Hotels · portalThe Business Platinum Card · American Express Travel10.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Business Gold Card — 2.0%
  2. The Business Platinum Card — 2.0%

Electronics stores

  1. The Business Platinum Card — 4.0%
  2. Business Gold Card — 2.0%

Home improvement

  1. The Business Platinum Card — 4.0%
  2. Business Gold Card — 2.0%

Shipping

  1. The Business Platinum Card — 4.0%
  2. Business Gold Card — 2.0%

Flights · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. Business Gold Card · American Express Travel — 6.0%

Hotels · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. Business Gold Card · American Express Travel — 6.0%
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iPhone app · not yet released

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