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COMPARE/AMEX BUSINESS PLATINUM VS AMEX GOLD
FIRST CARD
SECOND CARD

American Express Business Platinum or American Express Gold?

American Express Business Platinum returns $1,284 over its fee and American Express Gold returns $99, so the fee difference comes down to which categories you use.

American Express Business Platinum
American Express Business PlatinumAmerican Express · $895 fee · 9 credits
American Express Gold
American Express GoldAmerican Express · $325 fee · 4 credits
NET VALUE+$1,284$2,179 credits
NET VALUE+$99$424 credits
BEST NET VALUE
American Express Business Platinum
AMERICAN EXPRESSAmerican Express Business Platinum
FEE$895
CREDITS$2,179
NET+$1,284
Category wins3 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Centurion Lounge Access
Delta Sky Club Access
Priority Pass Select (No Restaurants)
American Express Gold
AMERICAN EXPRESSAmerican Express Gold
FEE$325
CREDITS$424
NET+$99
Category wins2 of 5
TAKE THE AMEX BUSINESS PLATINUM IF

You use travel, business, lifestyle. Travel and Business alone are worth $1,879 here and nothing on the Amex Gold.

TAKE THE AMEX GOLD IF

You use food & dining, transportation. Food & Dining and Transportation alone are worth $544 here and nothing on the Amex Business Platinum.

Where to use each card

AMEX BUSINESS PLATINUM
🏨
Amex FHR + The Hotel Collection3428 LOCATIONS
Browse →
🛫
Airport Lounges48 LOCATIONS
Browse →
AMEX GOLD
🍽️
Resy Credit Restaurants10830 LOCATIONS
Browse →
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Frequently asked questions

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

The American Express Business Platinum is better with $1,284 net annual value compared to the American Express Gold at $99. The American Express Business Platinum wins by $1,185/year.

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

The key differences: American Express Business Platinum has a $895 annual fee and $2,179 in annual benefits, while American Express Gold has a $325 annual fee and $424 in annual benefits. The annual fee difference is $570.

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

The American Express Gold has a lower annual fee at $325 compared to the American Express Business Platinum at $895. However, the American Express Business Platinum offers $2,179 in total annual benefits.

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

Yes, the American Express Business Platinum offers better value with $1,284 net annual value compared to $99 for the American Express Gold. Even though it has a higher annual fee ($895 vs $325), the American Express Business Platinum provides more total benefits.

Which card is better for travel?

The American Express Business Platinum is better for travel with $1,219 in annual travel benefits compared to $0 for the American Express Gold.

Should I get the American Express Business Platinum?

If you're deciding between the American Express Business Platinum and American Express Gold, the American Express Business Platinum is the better choice with $1,284 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

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
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