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Compare the Features and Benefits of American Express® Business Gold Card and
Wells Fargo Reflect Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
0% Intro APR on Purchases
Annual Statement Credits
Earns Transferable Points
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Extended Warranty
Purchase Protection
Cell Phone Protection
Secondary Car Rental CDW Waiver
Trip Protections
Metal Card
No Foreign Transaction Fees
Amex Offers
Annual Fee
$375 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
APR on purchases
0% Intro APR (on purchases for 6 months, 18.74%-27.74% thereafter)
APR on balance transfers
-
Ongoing APR
18.74%-27.74% (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 All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. 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
0% Intro APR on Purchases
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
Extended Warranty
yes
Purchase Protection
yes
Cell Phone Protection
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Metal Card
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 21 months, 17.49%-23.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 21 months, 17.49%-23.99% thereafter)
Ongoing APR
17.49%-23.99% (Variable)
Balance transfers fees
5%, min: $5
Best Multiplier
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
None
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) 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 not currently available at Your Best Credit Cards.

Please see our World Famous Card Explorer to find the best card for you.

Read more
Unique Card Benefits
no
0% Intro APR on Purchases
no
Annual Statement Credits
no
Earns Transferable Points
no
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Extended Warranty
no
Purchase Protection
no
Cell Phone Protection
no
Secondary Car Rental CDW Waiver
no
Trip Protections
no
Metal Card
no
No Foreign Transaction Fees
no
Amex Offers
no

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