Amex Business Gold vs Amex Green: Which Is Better In 2026?

American Express® Green Card Breakdown

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Why We Like It

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This section breaks down why we like the American Express® Green Card (See Rates & Fees).

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• It offers strong rewards across a broad range of travel and transit categories, as well as at restaurants worldwide.
• The points you earn are flexible and can be transferred to a variety of airline and hotel loyalty programs.
• Cardholders receive annual statement credits for popular travel services that can enhance their trips.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Earns bonus points on a wide array of travel and dining purchases worldwide, with points that can be transferred to numerous airline and hotel partners.
• Offers annual statement credits for travel-related services, including an airport biometric screening program and lounge access.
• Provides payment flexibility for large purchases and has no foreign transaction fees, making it a good option for use abroad.

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Cons

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• The annual fee may be considered high for a card in its class.
• Maximizing the value of your points can be complex, as some redemption options offer less value than others.
• The included travel credits may not be useful for all cardholders, and some benefits have limited lifespans.

American Express® Green Card vs American Express® Business Gold Card

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Categories

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Deciding which is better, Amex Business Gold or Amex Green, depends entirely on your spending habits and financial goals. While both cards offer valuable rewards, they are designed for distinctly different types of users.

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• American Express® Business Gold Card is a versatile business tool best suited for business owners and entrepreneurs. It's designed for growing companies that want to maximize rewards on their business spending.
• American Express® Green Card is best categorized as a travel and dining rewards card. It is ideal for frequent travelers who spend significantly on travel and restaurant purchases worldwide.

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Redemption

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American Express® Business Gold Card: Points can be redeemed in a variety of ways, including being transferred to travel partners or used as a statement credit for eligible business expenses. This flexibility allows businesses to leverage rewards in a way that best suits their operational needs.

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American Express® Green Card: Rewards are best redeemed for travel, either by booking directly through American Express or by transferring points to partner airline and hotel loyalty programs. This makes it easy to turn everyday spending into your next vacation.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, a financial companion like Kudos allows you to compare nearly 3,000 credit cards using your actual spending data to find the best fit for your wallet.

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• Welcome offer guarantee: If you find a better offer within three months of approval, Kudos will match it.
• Approval odds: Get a detailed analysis of your approval chances for various cards based on your credit report.
• Test drive a credit card: Before you apply, you can simulate how much you would earn with a new card based on your real transaction history to see its true net value.
• Kudos Boost: Earn additional rewards when you shop at your favorite stores, which stack on top of your existing credit card rewards.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is designed for growing companies with variable expenses and at least $50,000 in annual business spending. It's an ideal fit for entrepreneurs who want to automatically earn 4X points on their top two spending categories each billing cycle, on up to $150,000 in combined purchases annually. This structure allows business owners who value flexible rewards and premium travel benefits to maximize their earnings without being tied to static bonus categories (Terms Apply).

Who Should Choose the American Express® Green Card?

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The American Express® Green Card is an excellent choice for frequent travelers who spend significantly on both travel and dining worldwide. This card is best suited for individuals who are willing to put in the effort to maximize rewards by transferring points to Amex's airline and hotel partners. Travelers looking to leverage perks like the up to $209 annual statement credit for a CLEAR® Plus membership will find this card particularly valuable. Terms apply.

Alternatives to Consider

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So, you've reviewed the Amex Business Gold vs Amex Green comparison and neither card feels like a home run for your business. That's perfectly fine—let's look at a few other top-tier business cards that could be a better match.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit score: Most premium rewards cards require good to excellent credit for approval.
• Plan your spending: Ensure you can naturally meet the Welcome Offer spending requirement without forcing purchases.
• Research your rewards: Understand the card’s transfer partners to maximize the value of your points.

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Application Strategy

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• Time your application: Plan to apply before a large purchase to help meet the Welcome Offer spending requirement.
• Know the issuer’s rules: Be aware of policies like the Amex once-per-lifetime Welcome Offer rule to maximize your rewards over the long term.
• Understand the credit impact: Remember that many business cards do not report to your personal credit unless the account is delinquent.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Are the American Express® Business Gold and American Express® Green cards charge cards or credit cards?

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Both the American Express® Business Gold and American Express® Green cards are charge cards, which means you are generally expected to pay your balance in full each month. However, they both offer a Pay Over Time feature that allows you to carry a balance on eligible purchases, with interest. Terms apply.

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What kind of rewards do the Amex Business Gold and Amex Green cards earn?

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Both cards earn American Express Membership Rewards® points, which are a flexible rewards currency. These points can be redeemed for travel, gift cards, statement credits, and more. Terms apply.

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Can I transfer points from both cards to travel partners?

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Yes, as both cards earn Membership Rewards points, you can transfer your points to Amex's extensive list of airline and hotel partners. This is often one of the most valuable ways to use your points. Terms apply.

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