American Express® Business Gold Card vs. Wells Fargo Active Cash®
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 →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
American Express® Business Gold Card and Wells Fargo Active Cash® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
American Express® Business
Wells Fargo Active
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
$200
Rewards Rate
1x-4x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
19.49%-27.49% Variable
19.49%-29.49% Variable
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
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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