American Express® Business Gold Card vs. Citi Custom Cash® Card
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →
WealthSpott Verdict
Citi Custom Cash® Card wins on more measurable categories — particularly annual cost. American Express® Business Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Business
Citi Custom Cash®
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
$200
Rewards Rate
1x-4x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
19.49%-27.49% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- Foreign transaction fee
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