Thinking about getting an American Express business card? Both the Platinum and Gold are top choices, and choosing between them comes down to how much your business spends and how much you value travel. 

Both cards earn valuable Amex MR points and offer business perks, but the Platinum shines for high spenders and frequent travellers with premium benefits, while the Gold is a more cost-effective choice for smaller businesses that still want to earn points. 

Here’s a breakdown of the Amex Gold vs Platinum business cards, and how to choose which one is better for your business. 

Amex Business Platinum vs Gold Cards: An Overview

Let’s take a quick look at the fees, points earning structure, and other benefits of these cards:

American Express Business Platinum

• $799 annual fee

• No pre-set spending limit 

• Full payment flexibility 

• Up to 55 interest-free days 

• Earn 1.25x points on everything 

• Welcome bonus of up to 120,000 points 

American Express Business Gold 

• $199 annual fee

• No pre-set spending limit 

• Full payment flexibility 

• Up to 55 interest-free days 

• Earn 1x points on everything 

• Earn 10,000 points each quarter when you spend $20,000

• Welcome bonus of up to 40,000 points 

Amex Business Gold vs Platinum: Points Earning

Both cards earn Amex MR points, in a similar way:

Amex Business Platinum

Earn 1.25x points on all purchases, with no limits. 

Amex Business Gold

Earn 1x points on all purchases, plus get 10,000 additional points every quarter in which you spend $20,000 or more. 

Amex Business Platinum vs Gold: Welcome Bonus 

By hitting certain spend requirements, you can earn a boosted amount of points:

Amex Business Platinum

As of October 2025, you can get up to 120,000 bonus points:

• Spend $15,000 in the first 3 months to earn 80,000 points

• Make a purchase between month 15 and 17 to earn 40,000 points 

Amex Business Gold

As of October 2025, you can get up to 40,000 bonus points by spending $7,500 in the first 3 months. 

If you’re not spending a lot on a daily basis, it can sometimes be tough to hit the spend requirements. Fortunately, Chexy makes that easy. Use your business Amex card with Chexy to pay for your business expenses, like rent, bills, and payroll remittance, to easily hit the spend thresholds. 

American Express Business Platinum vs Gold: Benefits

Both business cards offer premium business and travel perks: 

Amex Business Platinum

Travel perks include:

• A $200 CAD Annual Travel Credit every year 

• A $100 NEXUS statement credit every 4 years 

• Complimentary access to airport lounges worldwide, including Centurion, Plaza Premium, Priority Pass, and Delta Sky Club lounges

• Hotel Status Benefit with Marriott Bonvoy and Hilton Honors 

• Special benefits at Toronto Pearson Airport

• Discounts on flights through the International Airline Program 

• Comprehensive travel insurance 

Business benefits include:

• Earn up to $620 in statement credits on purchases with Dell or Indeed

• Expense management reports

• Business servicing

• Employee card misuse protection 

• Payment flexibility

• Up to 55 interest-free days 

Amex Business Gold

The Gold business card has fewer travel and business benefits than the Platinum, but it still offers some perks. Travel benefits include:

• Comprehensive travel insurance

• Stay two or more nights at a hotel part of the Hotel Collection and get a $100 USD hotel credit, plus other benefits 

• Hertz car rental benefit 

Business benefits:

• Earn up to $100 in annual statement credits on purchases with Dell or Indeed

• Expense management reports

• Business servicing

• Employee card misuse protection 

• Payment flexibility

• Up to 55 interest-free days 

American Express Business Platinum vs Gold: Requirements 

Both American Express business cards have the same eligibility requirements. As long as you’re the age of majority and you have a good or excellent credit score, you’ll likely be approved. 

Contrary to what you might think, you don’t need a whole lot of business documentation or proof of income to apply. 

All you need to do is go to the credit card (either Platinum or Gold) on Amex’s website, click Apply Now, and enter some personal and business information. 

Which Amex Business Card is Best for You?

Which card is best for you ultimately comes down to your business’s spending habits and travel needs. 

The Business Platinum card is ideal for high-spending businesses and owners who travel frequently. It comes with an annual fee of $799, but this is offset by the plethora of travel benefits and the ability to earn 1.25x points on every dollar. If you value luxury travel, you’ll enjoy premium travel perks like complimentary lounge access, travel credits, and hotel status benefits. 

On the other hand, the Business Gold card is better suited if you have a smaller business or if you’re looking to keep costs low while still earning points. At a much lower $199 annual fee, you’ll earn 1x the points on all purchases and a quarterly bonus of 10,000 points when you spend $20,000 in a quarter. The welcome bonus offers up to 40,000 points with a lower spend requirement, and travel benefits include hotel credits and car rental perks. 

So, which should you choose? Go for the Platinum if your business spends heavily and you want to maximize travel benefits. Choose the Gold if you want to earn points efficiently at a lower cost and don’t need the high-end perks.

How to Maximize Business Spending with Amex and Chexy

One of the smartest ways to get more value from your Amex business card is by pairing it with Chexy to pay your business expenses. Let’s take a quick look at the Amex business Platinum and Chexy:

• You pay $5,000 every month on business expenses with Chexy

• With the 1.75% fee, that’s $5,087.50 per month, or $61,050 over one year

• That’s 61,813 points earned from spending alone

Add in the current welcome bonus of 120,000 points, and you’re looking at over 181,813 points in your first year without changing your spending habits. 

If you transfer those to Aeroplan, you open the door to some of the best business class redemptions available. Think Toronto to Dubai, Tokyo, or Paris in style and comfort, often for fewer points than booking cash fares. 

Get started with Chexy today and be on your way to earning tens of thousands of points without changing the way you spend.