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CardCurator — Rewards Intelligence
Card Comparison

American Express Gold Card vs Wells Fargo Signify Business Cash

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

American Express Gold Card card art
American Express Membership Rewards
American Express Gold Card
American Express
More Info
Wells Fargo Signify Business Cash card art
Wells Fargo Cash Rewards
Wells Fargo Signify Business Cash
Wells Fargo
More Info
Annual Fee
$325/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
90,000 points
Spend $6,000 in 6 months
50,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Restaurants (Worldwide) 4x
  • U.S. Supermarkets 4x
  • Flights (Direct or Amex Travel) 3x
  • All Purchases 1.5x
Reward Type
miles
cashback
Key Credits
  • Uber Cash $10
  • Dining Credit $10
  • Resy Credit $100
  • +1 more
None
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
  • Trip Delay Insurance
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
Cash back only
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Common Questions: American Express Gold Card vs Wells Fargo Signify Business Cash

Is the American Express Gold Card or Wells Fargo Signify Business Cash better for dining?

American Express Gold Card earns 4x on dining; Wells Fargo Signify Business Cash has no dining bonus.

Which has the higher signup bonus in 2026?

American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). Wells Fargo Signify Business Cash offers 50,000 pts signup bonus (spend $5,000 in 3 months). American Express Gold Card has the larger bonus.

Which card is better for international travel?

American Express Gold Card charges no foreign transaction fees — the better pick for international use. Wells Fargo Signify Business Cash charges 3% on foreign purchases.

Can I hold both the American Express Gold Card and the Wells Fargo Signify Business Cash?

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