Business Gold vs Business Platinum

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Economics

Dollar figures are per year unless the row says otherwise. Ongoing annual value is Miles' estimate of what the card adds per year after its annual fee: statement credits discounted for realistic use, benefits, and earning above a strong flat-rate card on a typical spending profile. First-year value is a separate net figure that includes the welcome bonus. A welcome bonus shown at its advertised maximum may not be available to every applicant; that figure is not marked as stronger. ★ marks the stronger comparable figure on other rows, and no row is marked when either figure is unknown.
Figure	Business Gold American Express	Business Platinum American Express
Annual fee	Best: $375 $520/yr less	$895
Ongoing annual value, after fee	$260	Best: $697 $437/yr more
First-year value	$3,015 At the advertised maximum	$4,092 At the advertised maximum
Authorized user fee	Best: $95 $305 less	$400

Sign-up Bonus

The current welcome offer as recorded in the dataset. No winner is marked: a bonus is points times a valuation times a spend requirement you may or may not clear, and the first-year value above already prices it.
Offer	Business Gold American Express	Business Platinum American Express
Current offer	You may be eligible for as high as 200K Membership Rewards® Points after spending $15k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply.	You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply.

Earning

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. ★ marks the higher return on a row. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Category	Business Gold American Express	Business Platinum American Express
Prepaid hotel+flight packages booked through Amex Travel	—Unknown	Best: 5X7.5%
Prepaid short-term rentals booked through Amex Travel	—Unknown	Best: 5X7.5%
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.	Best: 4X6%	—Unknown
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways	Best: 4X6%	—Unknown
U.S. purchases at gas stations	Best: 4X6%	—Unknown
U.S. purchases at media providers for advertising in select media (online, TV, radio)	Best: 4X6%	—Unknown
U.S. purchases at restaurants, including takeout and delivery	Best: 4X6%	—Unknown
U.S. purchases from electronic goods retailers and software & cloud system providers	Best: 4X6%	—Unknown
Flights booked through Amex Travel	3X4.5%	Best: 5X7.5%
Prepaid hotels booked through Amex Travel	3X4.5%	Best: 5X7.5%
Purchases of $5,000 or more	—Unknown	Best: 2X3%
U.S. construction material and hardware suppliers	—Unknown	Best: 2X3%
U.S. electronic goods retailers and software & cloud system providers	—Unknown	Best: 2X3%
U.S. shipping providers	—Unknown	Best: 2X3%

Benefits

Statement credits, lounge access and elite status as listed in the dataset; protections are counted, not listed. No winner is marked: twelve small credits are not more than two large ones, and the row that prices them, ongoing annual value, is under Economics.
Benefit	Business Gold American Express	Business Platinum American Express
Statement credits	Flexible Business: $20 (Monthly) ChatGPT Business: $300 (Annual Calendar Year) The Hotel Collection: $100 (Annual Calendar Year) Walmart+: $13 (Monthly) Squarespace: $150 (Annual Calendar Year)	CLEAR Plus: $219 (Annual Calendar Year) ChatGPT Business: $300 (Annual Calendar Year) The Hotel Collection: $300 (Semi Annual Calendar Year) Dell: $150 (Annual Calendar Year) Dell after $5,000 spend: $1,000 (Annual Calendar Year) Adobe: $250 (Annual Calendar Year) Wireless: $10 (Monthly) Hilton: $50 (Quarterly Calendar Year) Airline Fees: $200 (Annual Calendar Year) Global Entry/TSA PreCheck: $120 (Every 4 Years) Amex Travel Flight Credit: $1,200 (Annual Calendar Year) One AP: $2,400 (Annual Calendar Year) Indeed: $90 (Quarterly Calendar Year)
Lounge access	—Unknown	American Express Centurion Lounge (unlimited) Priority Pass Select (unlimited) Delta Sky Club (10/yr) Plaza Premium Lounge (unlimited) Airspace Lounge (unlimited) Escape Lounge (unlimited)
Elite status	—Unknown	Marriott Bonvoy Gold Hilton Honors Gold LHW Leaders Club Sterling Avis Preferred Preferred Plus Hertz Gold Plus Rewards President's Circle National Emerald Club Executive
Protections	7	9

The same on both cards (6)

Rows where both cards state the same figure or the same earning rate. Nothing is marked, because there is no stronger side.
Fact	Business Gold	Business Platinum
Foreign transaction fee	None	None
Issuer	American Express	American Express
Rewards currency	American Express Membership Rewards	American Express Membership Rewards
Card type	Business	Business
Network	American Express	American Express
All other purchases	1X1.5%	1X1.5%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get