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VS

Compare the Features and Benefits of US Bank Business Cash Rewards World Elite Mastercard and
American Express® Gold Card / Rose Gold 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
Earns Transferable Points
Annual Statement Credits
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Metal Card
Amex Offers
Annual Fee
$0
Avg. Min. Credit Score
*
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Gas Stations
3x Cellular Phone Service
3x Office Supplies
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get $500 when you spend $3,000 in your first 90 days
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 no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Read more
Unique Card Benefits
no
Earns Transferable Points
no
Annual Statement Credits
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Metal Card
no
Amex Offers
no
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
Earns Transferable Points
yes
Annual Statement Credits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Metal Card
yes
Amex Offers
yes

Learn more about these cards today

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