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 Free Spirit Travel More World Elite Mastercard
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri 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 Free Spirit Travel More World Elite Mastercard's. Get the American Express Business Gold first; revisit the Free Spirit Travel More World Elite Mastercard after you've earned that bonus.
| Feature | American Express Business Gold | Free Spirit Travel More World Elite Mastercard |
|---|---|---|
| Annual fee | $375 | $79 |
| Sign-up bonus | 100,000 Membership Rewards points | |
| Bonus value (est.) | $1,800 | - |
| Min spend to unlock bonus | $15,000 in 3 mo | - |
| Issuer | American Express | Bank of Missouri |
| Card category | business | cashback |
| 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
Free Spirit Travel More World Elite Mastercard
$79/yr ·
Editorial take: Free Spirit Travel More World Elite Mastercard
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Free Spirit Travel More World Elite Mastercard?
- The American Express Business Gold has a public bonus (100,000 Membership Rewards points, worth roughly $1,800), while the Free Spirit Travel More World Elite Mastercard doesn't advertise one right now.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
- 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 Free Spirit Travel More World Elite Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Free Spirit Travel More World Elite Mastercard?
- Yes, since they're from different issuers (American Express and Bank of Missouri) 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 Free Spirit Travel More World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Free Spirit Travel More World Elite Mastercard: no published min spend. 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.