American Express Gold Business Card vs American Express Platinum Business Card
Side-by-side comparison for UK businesses
| Feature | American Express Gold Business Card | American Express Platinum Business Card |
|---|---|---|
| Annual fee | £195 | £595 |
| Monthly fee | None | None |
| Welcome bonus | 20,000 Membership Rewards points | 40,000 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 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
American Express Platinum Business Card
Premium business card for heavy spenders and frequent travellers. Unlimited lounge access and top-tier travel insurance justify the fee if your spend is high enough.
Annual cost
£595
Earn rate
1x
Welcome bonus
40,000 Membership Rewards points
Best for
Premium travelAirport lounges
Key benefits
- • Unlimited airport lounge access (Priority Pass)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • £200 Dell credit annually