Dedicated comparison page
American Express Blue Business Plus vs American Express Gold Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by American Express
American Express Blue Business Plus is a business card from American Express with no annual fee, 15,000 points after $3,000 in 3 months, and fair to good credit.
Best for: People focused on business rewards who want to avoid an annual fee and who typically have fair to good credit.
by American Express
American Express Gold Card is a dining card from American Express with a $250 annual fee, 60,000 points after $6,000 in 6 months, and good to excellent credit.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
| Metric | American Express Blue Business Plus | American Express Gold Card |
|---|---|---|
| Annual Fee | None | $250 |
| Reward Rate | 1.0% | 1.0% |
| Signup Bonus | 15,000 points after $3,000 in 3 months | 60,000 points after $6,000 in 6 months |
| Foreign Transaction Fee | 2.7% | None |
| Recommended Credit | Fair to good credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 2% on Online, plus 1% on other purchases. | Earn elevated rewards with 4% on Dining, 4% on Groceries and 3% on Travel, plus 1% on other purchases. |
Its strongest earning category is Online at 2%, backed by 1% on general spending.
Best for: People focused on business rewards who want to avoid an annual fee and who typically have fair to good credit.
Its strongest earning category is Dining at 4%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
American Express Blue Business Plus has the lowest published starting credit range in this comparison at 690.
American Express Blue Business Plus has the lowest annual fee in this comparison at no annual fee.