American Express Basic Business Card vs American Express Gold Business Card
Side-by-side comparison for UK businesses
| Feature | American Express Basic Business Card | American Express Gold Business Card |
|---|---|---|
| Annual fee | £0 | £195 |
| Monthly fee | None | None |
| Welcome bonus | None | 20,000 Membership Rewards points |
| Earn rate (default) | 1x | 1x |
| Rewards currency | membership rewards | membership rewards |
| Card type | business | business |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Basic Business Card
Free Amex card for businesses that want cashflow flexibility and basic rewards without paying an annual fee. Great starting point.
Annual cost
Free
Earn rate
1x
Welcome bonus
None
Best for
Low spendCashflow
Key benefits
- • No annual fee
- • 1 Membership Rewards point per £1
- • Expense management tools
- • Connect to accounting software
American Express Gold Business Card
The go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.
Annual cost
£195
Earn rate
1x
Welcome bonus
20,000 Membership Rewards points
Best for
TravelAvios
Key benefits
- • Airport lounge access (2 visits per year)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • Expense management tools