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Compare the Features and Benefits of American Express® Business Gold Card and
IHG One Rewards Premier Business 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
Annual Statement Credits
Does Not Report Credit Line to Personal Credit Profile
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Earns Transferable Points
Has No Preset Spending Limit
Cell Phone Protection
Secondary Car Rental CDW Waiver
Metal Card
Amex Offers
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Free Annual Hotel Night
Grants Hotel Status
Travel and Emergency Assistance Services
No Fees for Authorized Users
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
Annual Statement Credits
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Earns Transferable Points
yes
Has No Preset Spending Limit
yes
Cell Phone Protection
yes
Secondary Car Rental CDW Waiver
yes
Metal Card
yes
Amex Offers
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Free Annual Hotel Night
no
Grants Hotel Status
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Hotels

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

5x Airfare
5x Transit
5x Car Rentals
5x Gas Stations
5x Dining Out / Food Delivery
5x Office Supplies
5x Advertising on Search Engines and Social Media
3x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.35) 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

The IHG Rewards Premier Business Credit Card is IHG’s small business credit card. And, for small business owners who even occasionally travel, it’s easily worth its annual fee. That’s because the free night certificate earned each account anniversary year should easily save you more than the $99 annual fee.

Other card perks just add to the card’s value: bonus points on wide-ranging purchases, Platinum Elite status, and the fourth night free on rewards stays.

Purchases made using the IHG Rewards Premier Business Credit Card earn 10 IHG points per dollar at hotels participating in the IHG Rewards program, 5x IHG points per dollar on travel, dining, social media and search engine advertising, office supply stores, and gas stations. All other purchases charged to the IHG Rewards Premier Business Credit Card earn 3 points per dollar.

Earn bonus points on gas station purchases using the IHG Rewards Premier Business Credit Card.

IHG point earnings are further boosted by the IHG Platinum Elite status that comes as a perk of the IHG Rewards Premier Business Credit Card. Platinum Elite members earn 60% bonus points on top of the base earning rate of 10 points per dollar. That nets a total of 26 IHG points per dollar at IHG hotels.

Big spenders can rack up additional rewards on the IHG Rewards Premier Business Credit Card. Receive a $100 statement credit plus 10,000 bonus points after spending $20,000 in a calendar year. Then, upgrade to Diamond Elite status after spending $40,000 in purchase in a calendar year. Finally, earn another free night award by spending $60,000 in purchases (plus one additional purchase) in one calendar year using your IHG Rewards Premier Business Card.

Small business owners can also earn points on employee spending. There’s no additional annual fee to add employee cards.

IHG Rewards members can redeem points for a reward night at any hotels participating in the IHG portfolio. That spans everything from luxury InterContinental Hotels to practical Holiday Inn hotels.

Intercontinental hotel in Malta, part of IHG Rewards

Even better, when you redeem IHG Rewards points for a stay of at least four consecutive nights, you’ll get a free night through the IHG Rewards Premier Business Credit Card’s fourth reward night free benefit.

Screenshot showing options to redeem points for Holiday Inn and Holiday Inn Express near Universal Orlando with the IHG credit card free night discount.

IHG Rewards Premier Business Card cardholders get a free night award each year. This certificate can be redeemed for an IHG hotel night stay costing up to 40,000 IHG Rewards points. Sure, that’s not going to get you an overwater villa in Bora Bora, but that free night will cover a stay at many IHG hotels.

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

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