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American Express Business Gold Card vs The 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 Platinum Card 2.0% 1x base rate

Flights

  1. The Platinum Card 10.0% 5x, capped
  2. Business Gold Card 2.0% 1x base rate

Flights · portal

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

Hotels · portal

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

What the numbers are doing

The Platinum Card's 5x on flights runs out: it applies to the first $500,000 of flights spend a year, and everything past that earns 1x.

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 Platinum Card $895 a year, so a thin lead in one category may not cover the difference.

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Pass content preview
CategoryBest card
Everything elseBusiness Gold Card2.0%
FlightsThe Platinum Card10.0%
Flights · portalThe Platinum Card · American Express Travel10.0%
Hotels · portalThe 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 Platinum Card — 2.0%

Flights

  1. The Platinum Card — 10.0%
  2. Business Gold Card — 2.0%

Flights · portal

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

Hotels · portal

  1. The 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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Open this ranking in the generator

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