Capital One Platinum Secured vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
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
Capital One Platinum Secured and American Express® Business Gold Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
American Express® Business
Annual Fee
$0 Best
$375/yr
Sign-up Bonus
None
100,000 points
Rewards Rate
0%
1x-4x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
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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