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CardCurator — Rewards Intelligence
Card Comparison

American Express Business Gold Card vs Platinum

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Business Gold Card card art
American Express Membership Rewards
American Express Business Gold Card
American Express
More Info
Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
Annual Fee
$375/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $15,000 in 3 months
None
Top Earn Rates
  • Electronics & Technology 4x
  • U.S. Advertising (Social Media, Search Engines) 4x
  • U.S. Shipping 4x
  • All Purchases 1x
Reward Type
miles
credit building
Key Credits
  • Walmart+ Membership $12.95
  • Flexible Business Credit $20
  • SquareSpace.com $150
None
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
No transfer partners
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Common Questions: American Express Business Gold Card vs Platinum

Is the American Express Business Gold Card or Platinum better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

American Express Business Gold Card currently offers 200,000 pts signup bonus (spend $15,000 in 3 months). Platinum offers no current bonus. American Express Business Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Business Gold Card and the Platinum?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Business Gold Card is from American Express and Platinum is from Navy Federal Credit Union, so they're governed by separate bank policies.