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VS

Compare the Features and Benefits of American Express® Business Gold Card and
Instacart Mastercard® 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
Extended Warranty
Purchase Protection
Secondary Car Rental CDW Waiver
Trip Protections
Annual Statement Credits
Earns Transferable Points
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Cell Phone Protection
Metal Card
No Foreign Transaction Fees
Amex Offers
Roadside Assistance
Concierge Services
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
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Has No Preset Spending Limit
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Cell Phone Protection
yes
Metal Card
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Roadside Assistance
no
Concierge Services
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.24%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
5x Airfare

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Hotels

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Car Rentals

Only on purchases made through the Chase Travel Center. 1X otherwise

2x Gas Stations
2x Dining Out / Food Delivery
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) 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

This card is designed for heavy Instacart uses. Much like the Amazon credit card only makes sense if you spend a ton at Amazon, the Instacart credit card only makes sense if you already spend a ton at Instacart as the 5% back will add up – and it’s a no annual fee credit card.

If you are looking for a powerful card for all supermarket purchases, you’d be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets, up to $25,000 a year (earn 1X thereafter).

But if you are loyal to Instacart, this card is worth considering.

It is a World Elite Mastercard, so it does come with some additional benefits as well.

Additional Benefits include:

  • World Elite Concierge
  • Baggage Delay Insurance
  • Extended Warranty Protection
  • Purchase Protection
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Roadside Assistance
  • Secondary Car Rental Collision Damage Waiver coverage

Overall, if you are a huge Instacart user, this card is worth it for the 5% back on all your purchases. But if you aren’t, you might find a better card for your spend in our Famous Card Explorer.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Annual Statement Credits
no
Earns Transferable Points
no
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Cell Phone Protection
no
Metal Card
no
No Foreign Transaction Fees
no
Amex Offers
no
Roadside Assistance
yes
Concierge Services
yes

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