American Express Business Green Rewards Card vs American Express® Gold
Side-by-side comparison
| American Express Business Green Rewards Card | American Express® Gold | |
|---|---|---|
| Annual fee | $95 | $325 |
| Welcome offer | 15,000 Membership Rewards points | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $450 | $618 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Amex | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express Business Green Rewards Card earns about $450 a year in rewards and the American Express® Gold about $618, valuing every point at a flat 1 cent. The American Express Business Green Rewards Card charges $95, which you clear through its rewards and perks. The American Express® Gold charges $325, but carries about $424 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the American Express® Gold delivers more total value, about $150 a year more for a typical spender, mostly because it earns more where you spend most, on travel. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the American Express® Gold currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Gold if your spending leans toward travel.