Within the American Specific lineup of small-business cards, the American Express® Business Gold Card and The Business Platinum Card® from American Express are two fashionable choices.
However identical to their consumer counterparts, these two playing cards are every geared towards cardholders with completely different objectives and desires.
Let’s evaluation these playing cards to see how the refreshed Amex Enterprise Gold competes with the Amex Enterprise Platinum.
Amex Enterprise Gold vs. Amex Enterprise Platinum comparability
| Amex Enterprise Gold | Amex Enterprise Platinum | |
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Earn 100,000 bonus factors after spending $15,000 on eligible purchases throughout the first three months of card membership. |
Earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership. |
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Advantages (enrollment is required for choose advantages)
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None |
Obtain 35% again on Pay with Factors flight redemptions (as much as 1,000,000 factors again per calendar 12 months) for eligible flights along with your chosen airline booked by way of Amex Journey. |
*Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Amex Enterprise Gold vs. Amex Enterprise Platinum welcome supply
New candidates of the Amex Business Gold Card can earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership.
TPG’s February 2026 valuations peg Amex factors at 2 cents apiece, so the present supply is value a formidable $2,000.
The welcome supply on the Amex Business Platinum Card is even higher. New candidates can earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
Based on TPG’s valuations, this welcome supply is value $4,000.
Winner: Amex Enterprise Platinum. So long as you possibly can meet the cardboard’s hefty minimum spending requirement, its welcome supply offers extra worth.
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Amex Enterprise Gold vs. Amex Enterprise Platinum advantages
As premium business travel rewards cards, each include most of the identical options:
- Journey protections, together with journey delay insurance coverage***, baggage insurance coverage** and automobile rental loss and harm insurance coverage**
- Buy safety**: Your eligible purchases are covered against accidental damage or theft for 90 days for as much as $1,000 per incident with the Enterprise Gold and as much as $10,000 per incident with the Enterprise Platinum for as much as $50,000 per cardmember account, per calendar 12 months. Nonetheless, coverage related to natural disasters is restricted to $500 per incident.
- Prolonged guarantee**: Your purchases obtain as much as one further 12 months of guarantee service on purchases with warranties of 5 years or much less. Protection is as much as the precise quantity charged to your card for the merchandise (as much as a most of $10,000, to not exceed $50,000 per cardmember account, per calendar 12 months).
- Cellphone safety***: Obtain reimbursements for the restore or substitute prices for harm or theft with a most restrict of $800 per declare (as much as two claims in a 12-month interval) if you pay your invoice along with your card.
**Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
***Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
The Amex Enterprise Gold has strong assertion credit that hold it on par with its counterpart, the Amex Enterprise Platinum.
Nonetheless, the Amex Enterprise Platinum has many advantages past what the Amex Enterprise Gold gives. These advantages are sufficient to offset the cardboard’s excessive annual payment however are additionally tailor-made to assist companies with prices.
The Amex Enterprise Platinum undoubtedly wins so far as travel-related advantages are involved. As an incredible instance, you possibly can’t get lounge entry with the Enterprise Gold, however you possibly can with the Enterprise Platinum (enrollment required).
This entry consists of Amex’s personal Centurion Lounges, Plaza Premium lounges, Priority Pass lounges, Lufthansa lounges (with a same-day Lufthansa flight, whatever the ticketed cabin) and Escape lounges.
This additionally consists of Delta Sky Club access — eligible Enterprise Platinum Card members will obtain 10 visits per eligible card, per 12 months to Delta Sky Golf equipment and grab-and-go areas when touring on a same-day, Delta-operated flight, until they spend $75,000 with their card in a calendar 12 months to take pleasure in limitless entry. Enrollment is required for choose advantages.
Further Amex Enterprise Platinum journey advantages embody complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status. Enrollment is required.
Lastly, the Amex Enterprise Platinum gives Pay with Factors bonuses on choose flights booked by way of American Specific Journey. Once you use Membership Rewards factors to guide eligible flights along with your chosen qaulifying airline by way of Amex Journey, you may obtain 35% of them again as a Enterprise Platinum Card member (as much as 1 million factors again per calendar 12 months).
Winner: Amex Enterprise Platinum. It gives an impressive vary of assertion credit and journey perks.
Incomes factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
As American Specific-issued playing cards, each the Business Gold and Business Platinum earn factors within the Membership Rewards ecosystem however at completely different charges and in numerous classes.
A singular facet of incomes on the Amex Enterprise Gold is that you will routinely earn 4 factors per greenback spent in your prime two spending classes every billing cycle, so there is no want to pick out a class and decide to it. The eligible classes are:
- U.S. purchases for promoting in choose media
- U.S. purchases at gasoline stations
- U.S. purchases at eating places
- Transit purchases, together with trains, taxis, ride-hailing companies, tolls, ferries, buses, parking and subways
- U.S. purchases made with digital items retailers and software program and cloud service suppliers
- Month-to-month wi-fi phone costs made straight with U.S. service suppliers
The Amex Enterprise Gold additionally earns 3 factors per greenback spent on flights, pay as you go resorts and pay as you go flight-and-hotel packages which are booked straight with Amex Journey.
Compared to the Enterprise Gold, the Amex Enterprise Platinum gives a restricted variety of classes to earn factors. The eligible classes embody:
- Flights and pay as you go resorts booked by way of Amex Journey (5 factors per greenback spent)
- Eligible enterprise classes (U.S. development materials and {hardware} suppliers, digital items retailers, software program and cloud system suppliers, and transport suppliers) and purchases of $5,000 or extra in any class (2 factors per greenback spent; applies to as much as $2 million in purchases per calendar 12 months, then 1 level per greenback spent)
- All different eligible purchases (1 level per greenback spent)
Winner: Amex Enterprise Gold. Cardmembers can earn bonus factors by way of a number of classes.
Associated: Maximize your earning with the Amex Business Gold
Redeeming factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Membership Rewards factors earned with the Amex Business Gold and the Amex Business Platinum could be redeemed towards assertion credit, used for journey purchases (equivalent to airfare or resorts) by way of American Specific Journey and transferred to the issuer’s 20 airline and hotel partners.
Nonetheless, there are slight variations between choose flights booked by way of Amex Journey with the issuer’s Pay with Points function.
Essentially the most noteworthy distinction between the 2 playing cards is that the Amex Enterprise Platinum gives a 35% Pay with Factors bonus (as much as 1 million factors again per calendar 12 months) when reserving eligible flights along with your chosen qualifying airline by way of Amex Journey.
Winner: Amex Enterprise Platinum. The flexibility to make use of Pay with Factors offers this card the higher hand.
Transferring factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Membership Rewards factors could be transferred to twenty airline and lodge loyalty packages. When used on this method, factors are value 2 cents every, in accordance with TPG’s February 2026 valuations.
Transferring factors to airline companions equivalent to Air Canada Aeroplan, British Airways Club and Air France-KLM FlyingBlue may help you rating phenomenal flights and maximize your return in your factors — particularly in case you can full your switch throughout a limited-time transfer bonus.
Bank cards editor Olivia Mittak likes to make use of her Membership Rewards factors for flights, equivalent to with Air Canada Aeroplan and Delta SkyMiles.
Winner: Tie. Each playing cards supply the very same record of switch companions and ratios.
Ought to I get the Amex Enterprise Gold or Amex Enterprise Platinum?
The Amex Business Platinum is nice for frequent vacationers and people searching for a card to provide them perks and advantages that improve their expertise when on the highway. If you should use them, this card’s perks justify its $895 annual payment.
That stated, the Amex Business Gold is a greater match for small-business homeowners who wish to earn as many factors as doable on on a regular basis enterprise spending throughout all kinds of classes, all for a manageable annual payment of $375.
Backside line
Every of those enterprise playing cards from American Specific may very well be an excellent match on your wants. Relying on the dimensions and nature of your organization, you would possibly even take into account getting each playing cards.
You possibly can carry the Business Gold to maximise the cardboard’s bonus classes and hold a Business Platinum to take pleasure in advantages like Centurion Lounge entry, rental automobile elite standing and a 35% bonus on factors redeemed for eligible flights along with your chosen qualifying airline booked by way of Amex Journey (as much as 1 million factors again per calendar 12 months).
By analyzing your enterprise wants, you possibly can select the most effective mixture of playing cards to maximise your award journey prospects.
For extra data, see our full opinions of the Amex Business Gold and Amex Business Platinum.
Apply right here: The Business Platinum Card from American Express
Apply right here: American Express Business Gold Card
For charges and charges of the Amex Enterprise Gold Card, click on here.
For charges and charges of the Amex Enterprise Platinum Card, click on here.
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