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Compare the Features and Benefits of American Express® Business Gold Card and
Capital One Venture Rewards Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Extended Warranty
Purchase Protection
Secondary Car Rental CDW Waiver
Trip Protections
Metal Card
No Foreign Transaction Fees
Annual Statement Credits
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Cell Phone Protection
Amex Offers
Global Entry / TSA PreCheck Reimbursement
Airport Lounge Access
Grants Car Rental Status
Concierge Services
Travel and Emergency Assistance Services
Roadside Assistance
No Fees for Authorized Users
Free Access to Credit Score
Annual Fee
$375 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
4x Gas Stations

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Dining Out / Food Delivery

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Advertising (Online / TV / Radio)

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x U.S. Electronic Goods Retailers / Software / Cloud System Providers

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Cellular Phone Service

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Transit

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

3x Airfare

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3x Hotels

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Is the Amex Business Gold Card worth it?

It is if you spend big. The card offers 4X Membership Rewards points in some of the most popular categories that businesses use so, if you spend a lot in the qualifying categories listed above, the card is extremely valuable.

American Express Business Gold Card

Courtesy: American Express

Membership Rewards points are particularly useful. You’ll have 18 airline partners to transfer to, with representatives from each of the 3 major global airline alliances.

The card now also comes with up to $395 in potential statement credits, which if you maxed out would offset the annual fee. As a reminder, those statement credit offers are:

  • $240 Flexible Business Credit: earn up to $20 in statement credits each month after you use the Business Gold Card for eligible purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.
  • Walmart+ Membership Credit: use the Business Gold Card to pay for a monthly Walmart + membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month, valued at $155 annually.

Even if you don’t shop at Walmart, I could see easily using the Flexible Business Credit every month, even if just for a meal via GrubHub (pickup or delivery). Plus, the card also comes with Cell Phone Protection (See the Cell Phone Protection feature above for all of the details).

If you can spend a full $150,000 in purchases on your 2 bonus categories over a calendar year, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000!

The card also has no foreign transaction fee and is especially good if you already have a nice collection of points in another credit card program, like Chase Ultimate Rewards, so you can be diversified since each program has unique transfer partners.

Rates and Fees for the American Express® Business Gold Card

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Metal Card
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
yes
Has No Preset Spending Limit
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Cell Phone Protection
yes
Amex Offers
yes
Global Entry / TSA PreCheck Reimbursement
no
Airport Lounge Access
no
Grants Car Rental Status
no
Concierge Services
no
Travel and Emergency Assistance Services
no
Roadside Assistance
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Hotels

When booked through Capital One Travel; else earn 2X

5x Car Rentals

When booked through Capital One Travel; else earn 2X

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
75,000 bonus Miles when you spend $4,000 within your first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the Venture card is a great $95 annual fee option that has only improved its value proposition and perks over the years. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 2X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel.

venture credit card car rental status

The redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One Venture miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a decent array of travel and purchase protections (although it’s not as robust as the flagship $395-per-year annual fee Capital One Venture X Rewards credit card). Finally, you’ll get reimbursed for Global Entry or TSA PreCheck every four years.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Metal Card
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
no
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Cell Phone Protection
no
Amex Offers
no
Global Entry / TSA PreCheck Reimbursement
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Concierge Services
yes
Travel and Emergency Assistance Services
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes

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