Bank of America® Travel Rewards credit card vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. American Express® Business Gold Card may still win for your wallet depending on how you spend.
Feature
Bank of America®
American Express® Business
Annual Fee
$0 Best
$375/yr
Sign-up Bonus
25,000 points
100,000 points
Rewards Rate
1.5x
1x-4x
Rewards Type
Points
Points
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
19.49%-27.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
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
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