Amex Business Gold vs Amex Business Platinum
Amex Business Platinum edges Amex Business Gold on year-1 math ($1,412 more value at 1.8¢/pt).
Quick verdict
Amex Business Platinum edges Amex Business Gold on year-1 math ($1,412 more value at 1.8¢/pt)
Amex Business Gold: $726 recurring credits + $0 welcome bonus − $375 AF = $351 net. Amex Business Platinum: $2,658 recurring credits + $0 welcome bonus − $895 AF = $1,763 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Amex Business Gold | Amex Business Platinum | |
|---|---|---|
| Annual fee | $375 | $895 |
| Welcome bonus | — | — |
| Welcome bonus value @ 1.8¢ | — | — |
| Free-night cert | — | — |
| Recurring credits / year | $726 | $2,658 |
| Year-1 net @ 1.8¢ | $351 | $1,763 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Amex Business Gold
6 recurring credits
- Flex Business Credit$20 · Monthly
- Walmart+ Membership$13 · Monthly
- Walmart+ Membership$13 · Monthly
- Flexible Business Rewards (4x top categories)$0 · Monthly
- Hilton Honors Credit (semi-annual)$12 · Semi-annual
- Squarespace Credit$150 · Annual
Amex Business Platinum
9 recurring credits
- Wireless Credit$10 · Monthly
- Indeed Credit$90 · Quarterly
- FHR/Hotel Collection$300 · Semi-annual
- Dell Technologies$75 · Semi-annual
- Priority Pass Select$469 · Annual
- Centurion Lounge access$300 · Annual
- Adobe Credit$250 · Annual
- CLEAR Plus$209 · Annual
- Hilton Credit$200 · Annual
Pick Amex Business Gold if
the AF is meaningfully lower ($375 vs $895).
Pick Amex Business Platinum if
the recurring credits stack is richer ($2,658 vs $726).