Editorial take: American Express Gold Card
The ultimate foodie card, earning bonus points at restaurants worldwide and at U.S. supermarkets. Plus over $400 in easy-to-use statement credits make the annual fee a no-brainer.
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Side-by-side
American Express Gold Card vs American Express Graphite Business Cash Unlimited
Both are well-respected travel cards. The American Express Gold Card comes from American Express at $325/yr; the American Express Graphite Business Cash Unlimited from American Express at $295/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | American Express Gold Card | American Express Graphite Business Cash Unlimited |
|---|---|---|
| Annual fee | $325 | $295 |
| Sign-up bonus | 100,000 points | $1,500 cash back |
| Bonus value (est.) | $2,000 | $1,500 |
| Min spend to unlock bonus | $8,000 in 6 mo | $50,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | travel | business |
| Best earning category (Prepaid_hotels_amex) | 5x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
|
Read the full review
American Express Gold Card
$325/yr · 100,000 points
Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
Editorial take: American Express Graphite Business Cash Unlimited
Common questions
- Which card has the bigger sign-up bonus, American Express Gold Card or American Express Graphite Business Cash Unlimited?
- The American Express Gold Card has the bigger bonus, 100,000 points, worth roughly $2,000, versus $1,500 cash back (~$1,500) on the American Express Graphite Business Cash Unlimited.
- Is the American Express Gold Card's $325 annual fee worth it compared to the American Express Graphite Business Cash Unlimited?
- At $325/yr, the American Express Gold Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the American Express Graphite Business Cash Unlimited's, pick the one whose perks you'll actually use.
- Can I have both the American Express Gold Card and American Express Graphite Business Cash Unlimited?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Gold Card or the American Express Graphite Business Cash Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Gold Card: $8,000 spend in 6 months. American Express Graphite Business Cash Unlimited: $50,000 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.