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American Express® Business Gold Card
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.
Bonus Offer
Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 Chase points while First Class would be 56,000 – 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada.
Transfer time is up to 48 hours (often close to instant, though).
Bonus points for spend in the following bonus categories:
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
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
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
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
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
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 Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
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.
The American Express Blue Business Cash™ Card
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.
Bonus Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Bonus points for spend in the following bonus categories:
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- Offers Extended Warranty, Purchase Protection
- No annual fee
Pros
- If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
- No annual fee
- Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.
Cons
- No bonus categories means no way to multiply your earnings
- Foreign transaction fees apply if you use the card abroad
- Does not have nearly as many Amex benefits as its fee-based cards
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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.
The Business Platinum Card® from American Express
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.
Bonus Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 Chase points while First Class would be 56,000 – 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada.
Transfer time is up to 48 hours (often close to instant, though).
Bonus points for spend in the following bonus categories:
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
- With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
- Generous protections when using the card to make purchases that provide genuine peace of mind.
- Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.
Pros
- Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
- More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)
Cons
- High annual fee of $695
- While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
- Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
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.