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COMPARE/AMEX BUSINESS GOLD VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

American Express Business Gold or The Ritz-Carlton Credit Card?

American Express Business Gold returns $470 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$470$845 credits
NET VALUE-$120$330 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins3 of 4
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 4
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE AMEX BUSINESS GOLD IF

You use business, food & dining, lifestyle. Business and Food & Dining and Lifestyle alone are worth $1,085 here and nothing on the The Ritz-Carlton Credit Card.

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel. Travel alone is worth $300 here and nothing on the Amex Business Gold.

Where to use each card

AMEX BUSINESS GOLD

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THE RITZ-CARLTON CREDIT CARD
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Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, American Express Business Gold or The Ritz-Carlton Credit Card?

The American Express Business Gold is better with $470 net annual value compared to the Ritz-Carlton Credit Card at -$120. The American Express Business Gold wins by $590/year.

What's the difference between American Express Business Gold and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $845 in annual benefits, while American Express Business Gold has a $375 annual fee and $330 in annual benefits. The annual fee difference is $75.

Which has a lower annual fee, American Express Business Gold or The Ritz-Carlton Credit Card?

The American Express Business Gold has a lower annual fee at $375 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the American Express Business Gold worth it compared to the Ritz-Carlton Credit Card?

Yes, the American Express Business Gold offers better value with $470 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's American Express Business Gold offers better value with $470 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for business?

The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and The Ritz-Carlton Credit Card, the American Express Business Gold is the better choice with $470 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.

Other comparisons

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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
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American Express Gold+$99
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