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[THE POINTS GUY]( [View in browser]( [TPG Daily NEWSLETTER]( [THE POINTS GUY]( Amex Business Platinum vs. Amex Business Gold
by Emily Thompson, Credit Cards Editor
[TPG | Hero Image] If youâre a small-business owner, you have no shortage of business cards to choose from. And just like the personal versions, [The Business Platinum Card® from American Express]( and [American Express® Business Gold Card]( are two heavy hitters in the space. But also like their personal counterparts, these two cards have some important differences. Hereâs how to decide between the two. If you have large business expenses and want luxury travel perks, the [Amex Business Platinum]( is for you. It earns 1.5 Membership Rewards points per dollar spent on key business expenses, like purchases at electronic goods retailers and shipping providers, as well as on purchases of $5,000 or more (on up to $1 million of these purchases per calendar year, then 1 point per dollar). It also comes with comprehensive airport lounge access and over $1,000 in available annual statement credits that can easily justify the [$695 annual fee]( (see [rates and fees]( ). If you want to choose your own bonus categories, the [Amex Business Gold]( is your better option. With it, youâll earn 4 Membership Rewards points per dollar spent in your top two eligible categories each billing cycle (on up to $150,000 in combined purchases each calendar year, then 1 point per dollar). These categories include purchases at U.S. restaurants and U.S. gas stations and for select advertising. The card also comes with up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub and office supply stores as well as a monthly Walmart+ membership credit, which can help offset the [$375 annual fee]( (see [rates and fees](. Regardless of which card you choose, youâll earn valuable Membership Rewards points and get key tools to help your business run smoothly. Plus, right now is a great time to add one to your wallet, since both the [Amex Business Platinum]( and [Amex Business Gold]( are offering elevated welcome bonuses â and you might find that youâre targeted for an even higher offer through [CardMatch](. The Amex Business Platinum is offering [150,000 Membership Rewards points]( after you spend $20,000 on eligible purchases in your first three months of card membership, while the Amex Business Gold is offering [100,000 Membership Rewards points]( after you spend $15,000 on eligible purchases within the first three months of card membership. For more details, check out our full showdown of the [Amex Business Gold versus the Amex Business Platinum](. Want to learn more? Check out these stories: - [Side-by-side card comparison](
- [Amex Business Platinum review](
- [Amex Business Gold review](
- [Who should (and shouldnât) get the Amex Business Platinum?](
- [How to choose the right credit card for your business expenses](
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