Amex Business Gold vs Prime Card: Which Is Better In 2026?

Prime Card Breakdown

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Why We Like It

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This section breaks down why we like the Prime Visa.

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• Cardholders earn generous rewards on purchases from Amazon and Whole Foods, in addition to other common spending categories.
• For Prime members, the card has no annual fee and also waives foreign transaction fees, making it a great travel companion.
• Rewards are simple to redeem directly on Amazon purchases, and as a Visa, the card is accepted worldwide.

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Pros

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• New cardmembers can receive a welcome bonus and may be able to use the card for Amazon purchases immediately after approval.
• The card includes valuable consumer benefits like purchase protection, extended warranty coverage, and some travel protections.
• Rewards offer flexible redemption options and do not expire as long as the account remains open.

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Cons

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• An active Prime membership is required to unlock the card’s best rewards.
• The card lacks the premium travel perks offered by more robust travel rewards cards.
• Approval typically requires a good to excellent credit score.

Prime Card vs American Express® Business Gold Card

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Categories

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Deciding which is better, Amex Business Gold or Prime Card, depends entirely on your primary spending habits and whether your purchases are for business or personal use.

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• American Express® Business Gold Card: This card is tailored for business owners, offering a versatile tool for companies with variable expenses across multiple categories.
• Prime Card: This card is designed for frequent Amazon shoppers and those who are already part of the Prime ecosystem.

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Redemption

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American Express® Business Gold Card: Points earned with this card offer significant flexibility, allowing you to transfer them to various airline and hotel partners, book travel directly, or redeem them for statement credits. This makes them particularly valuable for business owners who want to maximize their travel rewards.

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Prime Card: Rewards are typically redeemed as cash back or applied directly to your Amazon.com purchases at checkout, offering a simple and immediate way to save money.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial technology platform designed to help you compare thousands of credit cards and select the best one based on your unique spending habits.

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• Test Drive a Credit Card: Before you apply, you can simulate how much you would earn with a specific card using your actual spending data. This feature provides a personalized projection of annual rewards and net value after fees.
• Personalized Recommendations: The platform analyzes your spending history to match you with the cards that will offer you the most value, eliminating the guesswork.
• Welcome Offer Guarantee: If you get a card through Kudos and then find a better public welcome offer within three months, Kudos will match it.
• Kudos Boost: Earn additional rewards on top of your credit card points or cash back when you shop at participating stores.
• Detailed Approval Odds: Get a comprehensive analysis of your chances of being approved for a card based on your credit report.
• $100 Kudos Kickstart+: You can unlock $100 in rewards by adding select approved credit cards to your Kudos Wallet.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is tailored for business owners with significant annual spending—typically $50,000 or more—and variable monthly expenses. It's particularly powerful for companies whose top spending categories change from month to month, as the card automatically rewards your top two spending areas with 4X points. Ultimately, this card is for entrepreneurs who can consistently maximize those bonus categories, such as advertising, shipping, or airfare, to easily offset the annual fee and reap substantial rewards. Terms Apply.

Who Should Choose the Prime Card?

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The Prime Card is ideally suited for existing Amazon Prime members who regularly shop on Amazon.com and at Whole Foods Market. It also benefits everyday spenders seeking flexible rewards on purchases at restaurants, gas stations, and on transit. Additionally, small business owners who use Amazon for supplies can leverage the card's rewards, making it a versatile option beyond just personal use.

Alternatives to Consider

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If the Amex Business Gold vs Prime Card comparison has you concluding that neither card is the right fit, other options may better suit your business. There are several compelling alternatives that could align more closely with your company's spending patterns and reward preferences.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most premium cards require good to excellent credit for approval.
• Evaluate your spending habits - Ensure your typical purchases align with the card’s bonus categories to maximize rewards.
• Understand the card’s ecosystem - Some cards require memberships or are best used with specific partners to unlock their full value.

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Application Strategy

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• Know the issuer's rules - Some issuers have application restrictions that could lead to an automatic denial.
• Time your application strategically - Apply before a large planned purchase to help meet any spending requirements for a welcome offer.
• Prepare your documentation - Have personal and any required business information ready to ensure a smooth application process.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for a new business?

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The best card for a new business depends on its primary expenses. The Amazon Business Prime American Express Card offers great value for businesses with significant spending at Amazon, while the American Express® Business Gold Card may be better for its flexible bonus categories. Terms Apply.

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Can I have both the American Express® Business Gold Card and the Prime Card?

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Yes, it is possible to hold both the American Express® Business Gold Card and the Amazon Business Prime American Express Card. This can be a strategic way to maximize rewards across different business spending categories, as each card offers distinct benefits. Terms Apply.

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What are the credit score requirements for each card?

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While issuers don't publish exact credit score requirements, both cards generally require a good to excellent personal credit score for approval. Typically, successful applicants have scores in the high 600s or above.

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