American Express® Business Gold Card vs Southwest Rapid Rewards Premier Business Credit Card
American Express® Business Gold Card earns more in 9 of the 9 categories we track. Southwest Rapid Rewards Premier Business Credit Card has the lower annual fee.
The basics
| Detail | American Express® Business Gold Card | Southwest Rapid Rewards Premier Business Credit Card |
|---|---|---|
| Annual fee | $375 | $149 |
| Card type | Business | Business |
| Rewards | Membership Rewards | Southwest Rapid Rewards |
| Each point is worth | 1.70¢ | 1.30¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | Up to 200,000 Membership Rewards points after $15,000 in 3 months (offers vary) | — |
What each earns
| Category | American Express® Business Gold Card | Southwest Rapid Rewards Premier Business Credit Card |
|---|---|---|
| Online Advertising | 6.8% (higher) 4x, capped spending, up to $150,000 | 1.3% 1x |
| Dining & Restaurants | 6.8% (higher) 4x, capped spending, up to $150,000 | 2.6% 2x, capped spending, up to $8,000 |
| Food Delivery | 6.8% (higher) 4x, capped spending, up to $150,000 | 1.3% 1x |
| Rideshare & Transit | 6.8% (higher) 4x, capped spending, up to $150,000 | 1.3% 1x |
| Phone & Wireless | 6.8% (higher) 4x, capped spending, up to $150,000 | 1.3% 1x |
| Gas Stations | 6.8% (higher) 4x, capped spending, up to $150,000 | 2.6% 2x, capped spending, up to $8,000 |
| Electronics Stores | 6.8% (higher) 4x, capped spending, up to $150,000 | 1.3% 1x |
| Card Travel Portals | 5.1% (higher) 3x | 1.3% 1x |
| Everything else | 1.7% (higher) 1x | 1.3% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor