Business Gold vs Business Green

Economics

Annual fee

$375

$95

$280/yr less

Ongoing annual value

$517

$517/yr more

$0

Net value (value − fee)

$142

$237/yr more

−$95

First-year value estimate

$2,385

$2,303/yr more

$82

Foreign transaction fee

None

2.7%

Authorized user fee

$95 for the first five cards, then $95 for each additional card

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Sign-up Bonus

Earning

Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

4X6%

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Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways

4X6%

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U.S. purchases at gas stations

4X6%

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U.S. purchases at media providers for advertising in select media (online, TV, radio)

4X6%

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U.S. purchases at restaurants, including takeout and delivery

4X6%

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U.S. purchases from electronic goods retailers and software & cloud system providers

4X6%

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Flights booked through Amex Travel

3X4.5%

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Prepaid hotels booked through Amex Travel

3X4.5%

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Travel booked through Amex Travel

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2X3%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

• ChatGPT Business: $300 (Annual Calendar Year)
• The Hotel Collection: $100 (Annual Calendar Year)
• Flexible Business: $20 (Monthly)
• Walmart+: $13 (Monthly)
• Squarespace: $150 (Annual Calendar Year)

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Lounge access

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Elite status

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Protections

7

4