The American Express Business Gold Card vs The Blue Business Plus Credit Card from American Express

Brendan Harkness

Brendan Harkness | Versus

Jul 27, 2016 | Updated Sep 04, 2019

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

This is a comparison of two business rewards cards from American Express: the Business Gold Card and the Blue Business Plus Credit Card.

The first is a charge card, meaning the balance needs to be paid off each month, and has an annual fee (Rates & Fees). The second is a typical credit card that will let you carry a balance from one month to the next if necessary, and has no annual fee (Rates & Fees).

Both earn Membership Rewards points and come with a variety of benefits, but you’ll need to consider how much you spend per year and the categories where you spend the most to decide which card is a better fit for your business.

The Rewards

Business Gold

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories you spend the most in each month, up to $150,000 per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • U.S. purchases for shipping
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
  • 2X Membership Rewards points per dollar on eligible purchases from Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
  • 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year
Introductory Bonus Offer
  • Up to $500 back for eligible FedEx purchases in the first 3 months

As you can see, this card is pretty versatile. You’ll earn 4X points in the two categories you spend the most in every month, which are automatically calculated at the end of the month.

Plus, the intro bonus makes it even easier to offset the card’s relatively high annual fee (Rates & Fees).

Blue Business Plus

Spending Rewards
  • 2X Membership Rewards points per dollar on the first $50,000 in purchases per year
  • 1X Membership Rewards point per dollar on all other purchases

The rewards card on this program is very straightforward, giving you the opportunity to earn the same rewards on all spending, with double the points on the first $50,000 you spend each year.

The Verdict

Membership Rewards points can be redeemed in a variety of ways. Many of the better ways, like redeeming for flights or gift cards, result in a value of 1 cent per point, so we’ll assume that value for this comparison. It’s also possible to earn more value per point through point transfers, but we’ll stick with 1 cent per point here.

Let’s look at the Gold Card first. Since there’s a $295 annual fee on the Gold Card (Rates & Fees), you’d need to earn at least that much in rewards per year (or get that value from the benefits) to make the card worth it. If you spend heavily in any of the available 4X categories, you may be able to do this easily.

For example, if you spend at least $100,000 per year on shipping for your business and get that for the 4X category, you would earn $4,000 worth of Membership Rewards on that category alone, so you would come out at least $3,705 ahead when considering the annual fee. Even if you spend $25,000 in that category you’d still earn $1,000 in value and come out $705 ahead after the annual fee (Rates & Fees). If you were to spend that same $25,000 on the Blue Business Plus, you’d only be earning $500 in Membership Rewards points value, but there’s no annual fee to pay (Rates & Fees).

Basically, as long as you’re spending at least $25,000 per year on your business and getting 4X points for that spending, you can probably easily justify the annual fee on the Business Gold (Rates & Fees) and earn more rewards value with that card.

The Benefits

Amex provides a similar set of extra benefits for each card, which are designed specifically for small business owners. Most of the benefits are the same, but the Gold Card comes with a few more valuable perks.

To see the full set of benefits for either card, see:


  • The Travel Collection by Travel Leaders Group (Gold Card Only)

    Enroll to gain access to a variety of travel planning services, discounts, and amenities

  • The Hotel Collection (Gold Card Only)

    Get a credit of up to $75 for eligible hotel expenses booked through Amex, for qualifying stays of two nights or more. Does not cover the cost of the room.

  • Amex Offers

    Get a variety of valuable discounts at many different merchants. Must be added to the card manually online.

  • Tier One Program

    Businesses that spend at least $5 million per year may be eligible to receive enhanced benefits from Amex. Check your Guide to Benefits for details.

  • Entertainment Access®

    Exclusive access to ticket pre-sales and card member-only events in your city.

Business Services

  • Free Employee Cards

    You can get up to 99 employee versions of these cards, set individual spending limits, and earn rewards from their purchases. Employee cards for the Blue card are free; for the Gold card, the first costs $50 and subsequent cards are free.

  • ReceiptMatch with QuickBooks®

    Track expenses with ReceiptMatch with QuickBooks®.

  • Account Alerts

    Get alerts about account information on your phone.

  • Account Manager

    Ability to give other people permission to manage your account.


  • Dispute Resolution

    Help dealing with fraudulent and incorrect transactions.


  • Extended Warranty

    For warranties of 5 years or less, get up to 1 extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If a merchant won’t take back an item within 90 days, American Express may refund the purchase price.


  • Global Assist® Hotline

    When you travel 100 miles or more from home, provides help with travel accidents like lost passports, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Baggage Insurance Plan

    Eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage & checked bags together and up to $500 for checked baggage only.

  • Travel Accident Insurance

    Up to $100,000 in financial security if accident or death is caused when traveling by Common Carrier plane, train, ship, or bus.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

The Costs & Fees

Card Intro APR Regular APR Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Business Gold Not Applicable (Rates & Fees) Not Applicable Not Applicable  Not Applicable None
Blue Business Plus 0% for 12 months (Rates & Fees) 14.99–20.99% Variable 14.99–20.99% Variable None 2.7%
Card Penalty APR Late Fee Returned Payment Fee
Business Gold Not Applicable $39 or 2.99% of any past due Pay in Full amount, whichever is greater. Up to $39
Blue Business Plus 29.99% Variable Up to $39 Up to $39

The Verdict

Here the differences are quite clear, as we’re comparing a charge card to a credit card.

If you want to have the option to revolve a balance from month to month, or take advantage of the 0% introductory APR for large purchases or balance transfers, you should probably use the Blue Business Plus card (Rates & Fees).

If you know that you can pay off your balance each month and can get enough value from the card to cover the annual fee (Rates & Fees), the Business Gold charge card may be the better choice for you. The Business Gold card also offers the ability to carry a balance from month to month at an interest rate, but we don’t recommend doing this because interest charges will eat away at the value you get from the rewards and benefits.

Remember that you can avoid interest fees on purchases made with the Blue Business Plus card, and most credit cards, simply by paying your balance in full each month.

The Bottom Line

The Business Gold Card and the Blue Business Plus Credit Card are two great business cards from American Express, designed for different kinds of spenders.

Check the card rewards to figure out which one is right for you. Does your business make a lot of purchases in the categories listed for the Business Gold? Then it’s the obvious choice for you, and it’s flexible because you’ll earn 4X points in the two categories you spend the most in each month, giving you room to grow.

Or, if you don’t spend at least about $25,000 in the Gold Card’s 4X categories, the Blue Business Plus may fit your needs better. Both cards offer the ability to carry a balance if money is tight.

Whichever card you use, you’ll have access to a nice set of extra benefits, including quite a few business-oriented features to help keep your finances in tip top shape. You’ll also get excellent customer service provided by American Express. This is an important selling point, especially for business products like these.

Want to apply for or learn more about one of these cards? Just click the card’s name below.

If you use one of these credit cards, how do you like it? Leave your own review of the Business Gold Card or the Blue Business Plus Credit Card, we’d love to hear from you!

Not the cards for you? Click here to learn more about Business Credit Cards and see our picks for the best ones!
Was this helpful?

For rates and fees of the The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More