American Express® Gold Card vs. American Express Blue Business Cash Card
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
American Express Blue
Annual Fee
$250/yr
$0 Best
Sign-up Bonus
60,000 points
$250 statement credit after $3k spend in 3 months
Rewards Rate
1x-4x
2% on first $50k then 1%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
See terms
18.49%-26.49% Best
Foreign Transaction Fee
None
—
Recommended Credit Score
670-850
670+
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
American Express Blue Business Cash Card
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