Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs TAP Miles and Go American Express Card
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the TAP Miles and Go American Express Card from Cardless at $79/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the TAP Miles and Go American Express Card's. Get the American Express Business Gold first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.
| Feature | American Express Business Gold | TAP Miles and Go American Express Card |
|---|---|---|
| Annual fee | $375 | $79 |
| Sign-up bonus | 100,000 Membership Rewards points | 40,000 bonus miles |
| Bonus value (est.) | $1,800 | - |
| Min spend to unlock bonus | $15,000 in 3 mo | $2,500 in 3 mo |
| Issuer | American Express | Cardless |
| Card category | business | airline |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Editorial take: TAP Miles and Go American Express Card
The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or TAP Miles and Go American Express Card?
- The American Express Business Gold has a public bonus (100,000 Membership Rewards points, worth roughly $1,800), while the TAP Miles and Go American Express Card doesn't advertise one right now.
- Is the American Express Business Gold's $375 annual fee worth it compared to the TAP Miles and Go American Express Card?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the TAP Miles and Go American Express Card's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and TAP Miles and Go American Express Card?
- Yes, since they're from different issuers (American Express and Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the TAP Miles and Go American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. TAP Miles and Go American Express Card: $2,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.