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 Citi Double Cash
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Citi Double Cash from Citi at $0/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 ($1,600 more in estimated value) than the Citi Double Cash's. Get the American Express Business Gold first; revisit the Citi Double Cash after you've earned that bonus.
| Feature | American Express Business Gold | Citi Double Cash |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | $200 cash back |
| Bonus value (est.) | $1,800 | $200 |
| Min spend to unlock bonus | $15,000 in 3 mo | $1,500 in 6 mo |
| Issuer | American Express | Citi |
| Card category | business | cashback |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | citi-ty |
| 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
Citi Double Cash
$0/yr · $200 cash back
Editorial take: Citi Double Cash
The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Citi Double Cash?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus $200 cash back (~$200) on the Citi Double Cash.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Citi Double Cash?
- 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 Citi Double Cash's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Citi Double Cash?
- Yes, since they're from different issuers (American Express and Citi) 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 Citi Double Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Citi Double Cash: $1,500 in 6 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.