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VS

Compare the Features and Benefits of American Express® Business Gold Card and
United Gateway℠ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
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
No Foreign Transaction Fees
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
Amex Offers
0% Intro APR on Purchases
Concierge Services
Free Access to Credit Score
Annual Fee
$375 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
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
No Foreign Transaction Fees
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
Amex Offers
yes
0% Intro APR on Purchases
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare

Applies only to United purchases. Otherwise, earn 1X

2x Transit
2x Gas Stations
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 30,000 United MileagePlus Miles after spending $1,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024. 

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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 United Gateway card does a solid job of providing enough benefits to make you wonder if it will be sufficient, vs investing $95 or more on one of the other Chase United credit cards since this is the only one with no annual fee.

The answer will depend on you.

If you fly several times a year and check a bag each time, then you’ll come out ahead paying the $95 annual fee on the United℠ Explorer Card since you’ll get free checked bags (one for you and a companion on the same itinerary) every time you pay with your card on a domestic flight. You also won’t get priority boarding with the Gateway card.

However, if you are on “Team Carry-On Only,” then this card provides many of the same benefits, including the benefit that gives you access to expanded Saver economy coach availability just like a United Silver Premier member. However, unlike all of the other United cards, you won’t be entitled to upgrades on award tickets.

Additionally, you won’t have any opportunities to earn PQPs from spending on this card whereas all the other United cards do offer that benefit.

Lastly, you might do better with a card like the Chase Sapphire Preferred® Card if you aren’t using the checked bag benefit or the expanded award availability benefit. That’s because you’ll have more opportunities to earn points from spend on the Sapphire Preferred, and while you can transfer those points right over to United, you can also take advantage of all of the other Chase Ultimate Rewards airline and hotel transfer partners.

united-gateway-card

In the end, it depends on you if this is a good card for you, or if another similar card might be better.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
No Foreign Transaction Fees
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
Amex Offers
no
0% Intro APR on Purchases
yes
Concierge Services
yes
Free Access to Credit Score
yes

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