American Express® Business Gold Rewards Card

Ramp Corporate Card

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Amex Business Gold vs Ramp Corporate Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

American Express® Business Gold Rewards Card

4.5

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Our review Rewards calculator

Ramp Corporate Card

4.5

Apply now

Our review

Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,866

First-year value

Not calculated yet

$536

Every year after

Not calculated yet

Only Amex Business Gold earns rewards we can work out.

Compare the fees, rates and perks below.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$915.19

in American Express Membership Rewards points a year

Annual rewards

—

+ $1,330

first year only

Welcome bonus

—

− $199

Annual fee

—

− $180

2.5% on $600/mo

FX fees

—

$1,866.19

First-year value

—

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

$239.4

at 1x

All Other Business Expenses

$12,600 a year

—

$116.74

at 1x

US Dollar Purchases

$6,150 a year

—

$91.2

at 1x

Recurring Bills & Subscriptions

$4,800 a year

—

$68.4

at 1x

Gas & EV Charging

$3,600 a year

—

$68.4

at 1x

Dining & Restaurants

$3,600 a year

—

$57

at 1x

Office Supplies

$3,000 a year

—

$45.6

at 1x

Phone, Internet & Cable

$2,400 a year

—

$34.2

at 1x

Hotels

$1,800 a year

—

$34.2

at 1x

Shipping & Courier

$1,800 a year

—

$34.2

at 1x

Accounting & Bookkeeping

$1,800 a year

—

$23.26

at 1x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

—

$22.8

at 1x

Electronics & Software

$1,200 a year

—

$22.8

at 1x

Air Canada

$1,200 a year

—

$22.8

at 1x

Transportation

$1,200 a year

—

$11.4

at 1x

Other Airlines

$600 a year

—

$11.4

at 1x

Car Rental

$600 a year

—

$11.4

at 1x

Other Travel

$600 a year

—

10,000 points each quarter when you charge $20,000 in net purchases to your Card

Spend bonuses

on top of the rates

—

$915.19

Rewards in a year

—

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Amex Business Gold

Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.
Earn 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
That’s up to $700 in statement credits to reinvest in your business.

Ramp Corporate Card

No welcome bonus right now.

Amex Business Gold

Worth $1,330 at your spending

Earn 50,000 Membership Rewards® points after spending $7,500 on your Card in your first 3 months

50,000 pts

Earn 20,000 Membership Rewards® points after spending $30,000 on your Card in your first year

20,000 pts

Ramp Corporate Card

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$199

Annual fee

$50

Employee cards

Not listed

2.5%

Foreign transaction fee

None

American Express Membership Rewards

Rewards

Cash back

American Express

Network

Visa

Amex Business Gold

Interest rates

Purchase:

21.99% - 29.99%¹

Cash Advance:

N/A¹

¹ This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Recommended credit score

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

Ramp Corporate Card

Interest rates

Purchase:

N/A

Cash Advance:

N/A

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

Amex Business Gold

1x point per $1 spent on all purchases
10,000 points each quarter when you charge $20,000 in net purchases to your card

Ramp Corporate Card

Get up to 1% cash back on all eligible transactions

Insurance and perks

What both cards include comes first in each list.

Amex Business Gold

Insurance

Car Rental Damage & Theft

yes

Extended Warranty

1 year

Purchase Protection

90 days

Lost or Stolen Baggage

$500

Baggage Delay

$500

Common Carrier Travel Accident Insurance

$100,000

Mobile Device Insurance

$1,000

Hotel Burglary Insurance

$500

Flight Delay

$500

Perks

Travel Credit

Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.

Priority Travel

Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.

Amex Experiences™

Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™

Ramp Corporate Card

Insurance

Car Rental Damage & Theft

31 days. Reimbursed for damages caused by theft up to cash value of most rented cars

Extended Warranty

Yes

Purchase Protection

First 90 days, up to $10,000 per claim and $50,000 per cardholder

Car Rental Accident

31 days. Reimbursed for damages caused by collision up to cash value of most rented cars

Travel and Emergency Assistance Services

Available 24 hours a day, 365 days a year

Perks

Adapted limit

Customizable limits and controls down to the merchant and transaction level

High Credit Limits

30x higher than those offered by traditional banks

No Credit Check

No personal credit check or personal guarantee required

Unlimited Cards

Issue unlimited virtual and physical cards for each employee

Our take

Amex Business Gold

The American Express® Business Gold Rewards Card is an excellent choice for business owners who also travel seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options.

Flexible rewards
Travel perks

Foreign transaction fees
Limited travel insurance
Lower acceptance

Ramp Corporate Card

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

No Annual Fee
High and Customizable Credit Limits
Cash Back Opportunities
No Credit Check
Unlimited Cards

Minimum Balance Requirements
Geographical Limitations
No Sole Proprietors

More business card comparisons

Each card against every other business card we review.

Amex Business Gold

Ramp Corporate Card

Legal

Amex Business Gold

*Terms and conditions apply.

This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Ramp Corporate Card

Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

Must have at least $25,000 in your primary business bank account to qualify.

Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).