American Express Business Gold or American Express Platinum?

American Express Platinum returns $2,109 over its fee and American Express Business Gold returns $470, so the fee difference comes down to which categories you use.

American Express Business GoldAmerican Express · $375 fee · 4 credits

American Express PlatinumAmerican Express · $895 fee · 12 credits

NET VALUE+$470$845 credits

NET VALUE+$2,109$3,004 credits

CATEGORY	BUSINESS GOLD	PLATINUM
✨Lifestyle	$155	$955
🌎Travel	—	$1,019
🍽️Food & Dining	$240	$580
💼Business	$690	—
🎭Entertainment & Media	—	$300
🚗Transportation	—	$300
Lounge Access	—	Centurion Lounge Access Delta Sky Club Access Priority Pass Select (No Restaurants)
Total credits	$845	$3,004
Annual fee	$375	$895
Net value	+$470	+$2,109

AMERICAN EXPRESSAmerican Express Business Gold

FEE$375

CREDITS$845

NET+$470

Category wins1 of 6

BEST NET VALUE

AMERICAN EXPRESSAmerican Express Platinum

FEE$895

CREDITS$3,004

NET+$2,109

Category wins5 of 6

ADDITIONAL BENEFITS

LOUNGE ACCESS

Centurion Lounge Access

Delta Sky Club Access

Priority Pass Select (No Restaurants)

TAKE THE AMEX BUSINESS GOLD IF

You use business. Business alone is worth $690 here and nothing on the Amex Platinum.

TAKE THE AMEX PLATINUM IF

You use travel, lifestyle, food & dining, or any of its 5 winning categories. Travel and Entertainment & Media and Transportation alone are worth $1,619 here and nothing on the Amex Business Gold.

Where to use each card

AMEX BUSINESS GOLD

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AMEX PLATINUM

🍽️

Resy Credit Restaurants10830 LOCATIONS

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🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

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🛫

Airport Lounges48 LOCATIONS

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Frequently asked questions

Which is better, American Express Business Gold or American Express Platinum?

The American Express Platinum is better with $2,109 net annual value compared to the American Express Business Gold at $470. The American Express Platinum wins by $1,639/year.

What's the difference between American Express Business Gold and American Express Platinum?

The key differences: American Express Platinum has a $895 annual fee and $3,004 in annual benefits, while American Express Business Gold has a $375 annual fee and $845 in annual benefits. The annual fee difference is $520.

Which has a lower annual fee, American Express Business Gold or American Express Platinum?

The American Express Business Gold has a lower annual fee at $375 compared to the American Express Platinum at $895. However, the American Express Platinum offers $3,004 in total annual benefits.

Is the American Express Platinum worth it compared to the American Express Business Gold?

Yes, the American Express Platinum offers better value with $2,109 net annual value compared to $470 for the American Express Business Gold. Even though it has a higher annual fee ($895 vs $375), the American Express Platinum provides more total benefits.

Which card is better for travel?

The American Express Platinum is better for travel with $1,019 in annual travel benefits compared to $0 for the American Express Business Gold.

Should I get the American Express Platinum?

If you're deciding between the American Express Business Gold and American Express Platinum, the American Express Platinum is the better choice with $2,109 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.