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Compare the Features and Benefits of American Express® Gold Card / Rose Gold Card and
Southwest® Rapid Rewards® Performance 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
Trip Protections
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Earns Transferable Points
Secondary Car Rental CDW Waiver
Metal Card
Amex Offers
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Roadside Assistance
Free Checked Bags
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
See Pay Over Time APR
Balance transfers fees
-
Best Multiplier
4x Groceries

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

4x Dining Out / Food Delivery

At restaurants worldwide and on takeout delivery within the U,S.

3x Airfare

Booked directly with the airline or via AmexTravel.com

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 60,000 bonus Membership Rewards points when you spend $6,000 in 6 months. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.48) 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 American Express Gold Card (and the Rose Gold version of the Amex Gold Card) is one of my favorite credit cards on the market.

While many cards have more bonus categories or more features, the simplicity of a card that earns 4X American Express Membership Rewards points on both dining and at U.S. supermarkets, given how much of my monthly spend is in one of these two categories, makes it an easy top-of-wallet choice. 3X on airfare is also nice.

dining-american-express-gold-card-rose-gold-card

It helps that I have no problem at all using the included credits, living in a major metropolitan area. In fact, I’ve generally used both of the included credits at GrubHub and Uber Eats by the fifth of each month!

While I wouldn’t make it my only credit card, it definitely complements other cards nicely. If you already have the American Express Platinum Card, for example, you’d be better off using the Platinum card for its many benefits and 5X on airfare, but using your Amex Gold Card for your groceries and restaurant expenses.

Keep in mind that all of your American Express Membership Rewards points accrue to one master account. As long as you have at least one card open that earns Membership Rewards points, your points will never expire.

This includes no-annual fee cards like the Blue Business Plus.

Rates and Fees for the American Express® Gold Card

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Earns Transferable Points
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
Roadside Assistance
no
Free Checked Bags
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Annual Fee
$199
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 balance transfer, whichever is greater.
Best Multiplier
4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in 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

The Southwest Rapid Rewards Performance Business Credit Card should be the go-to card for Southwest frequent travelers that own a small business. Don’t let the $199 annual fee scare you off. This card comes packed with perks that can easily justify that fee.

Southwest-specific perks include four Upgraded Boardings each year, virtually unlimited inflight WiFi passes, and the ability to spend toward A-List status. Plus cardholders get premium travel perks like a Global Entry or TSA PreCheck application fee statement credit.

Cardholders earn 4x Rapid Rewards points on Southwest Airlines purchases. That’s a higher rewards earning rate on Southwest purchases than you’ll find on any other Southwest credit card. Plus you’ll earn 3x points on Rapid Rewards hotel and car rental partners.

However, this card doesn’t just reward travel purchases. Cardholders earn 2x Southwest Rapid Rewards points on a wide range of purchases, including social media and search engine advertising; internet, cable, and phone services; transit and commuting, including ride-hailing services. Earn points on all other purchases at a rate of 1 Rapid Rewards point per dollar spent.

Enjoy Upgraded Boardings, free WiFi, and more on Southwest Airlines through the Southest Performance Business Card

Cardholders will earn 1,500 tier qualifying points toward A-List status for every $10,000 spent on purchases annually. While you probably don’t want to put that much spending on the card, you can conceivably spend all the way to A-List Preferred status by spending $470,000 on the card in a calendar year.

The only real downside to this card is the limited redemption options. The best way to redeem Rapid Rewards points is for Southwest flights. And since the Rapid Rewards structure is a fixed-value program, you won’t get more value from some flights than others. The good news is that means there are no blackout dates when you want to redeem points.

You can add employee cards for no additional cost, meaning you can be rewarded for employee spending. The card also offers up to a $500 statement credit for points transfers. That means you can transfer points to employees without additional cost.

Lastly, this card is great for getting more than halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Earns Transferable Points
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
Roadside Assistance
yes
Free Checked Bags
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes

Learn more about these cards today

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