Wells Fargo Reflect® vs. American Express® Business Gold 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
Wells Fargo Reflect® 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
Wells Fargo Reflect®
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
0% intro APR for up to 21 months
N/A
Regular APR
18.24%-29.99% Variable Best
19.49%-27.49% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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
Not sure which card is right for you?
Browse all credit cards