AMEX Biz cards same as personal?

Times · ‎09-17-2021

So I'm looking at both the amex gold and amex gold biz. It seems they both have no preset credit limit and can scale as you spend more and pay it off?

Does amex care if one uses the personal card as a biz card?

These are my only concerns. The points/categories dont mater much to me atm

Edit: in regards to the points, It seems for the AMEX Platinum the points are kinda the same for both biz and personal. 5x on travel. The main difference I see is the personal platinum has better credits/benefits even if the AF is $100 more. So if one feels that way on the AMEX platinum personal, would it be wise to get that card to use for business rather than the AMEX platinum biz? as the AF of $600 for the biz doesn't seem worth it compared to the $700 AF of the amex personal with all the useful credits. Idk if I am missing something.

Credit score: 785~ | Goal: 800~

Credit Cards:
Tomo Credit: $6k
Amex prime business: $34k
x1 $18k

Debit cards:
Cash app & Target red debit card

Goal cards:
Amex gold biz & Amex platinum personal

Dream card:
Amex black card

spiritcraft1 · ‎09-17-2021

@Times wrote:
So I'm looking at both the amex gold and amex gold biz. It seems they both have no preset credit limit and can scale as you spend more and pay it off?

Does amex care if one uses the personal card as a biz card?

These are my only concerns. The points/categories dont mater much to me atm

I think it is ok to use the personal for Biz expenses in general depending what it is I guess.

Even if points don't matter, stashing them for fuure use is a good thing. Those cards have different point categories though. Depending on what you are going to use it for you may want to check the business categories. We use the the Gold Biz cards (DW and Mine) for Advertising and Fuel (mine) and Shipping and Fuel for hers. The personal is geared towards personal categories.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Times · ‎09-20-2021

@spiritcraft1 wrote:
@Times wrote:
So I'm looking at both the amex gold and amex gold biz. It seems they both have no preset credit limit and can scale as you spend more and pay it off?

Does amex care if one uses the personal card as a biz card?

These are my only concerns. The points/categories dont mater much to me atm
I think it is ok to use the personal for Biz expenses in general depending what it is I guess.

Even if points don't matter, stashing them for fuure use is a good thing. Those cards have different point categories though. Depending on what you are going to use it for you may want to check the business categories. We use the the Gold Biz cards (DW and Mine) for Advertising and Fuel (mine) and Shipping and Fuel for hers. The personal is geared towards personal categories.

It seems for the AMEX Platinum the points are kinda the same for both biz and personal. 5x on travel. The main difference I see is the personal platinum has better credits/benefits even if the AF is $100 more. So if one feels that way on the AMEX platinum personal, would it be wise to get that card to use for business rather than the AMEX platinum biz? as the AF of $600 for the biz doesn't seem worth it compared to the $700 AF of the amex personal with all the useful credits. Idk if I am missing something.

Credit score: 785~ | Goal: 800~

Credit Cards:
Tomo Credit: $6k
Amex prime business: $34k
x1 $18k

Debit cards:
Cash app & Target red debit card

Goal cards:
Amex gold biz & Amex platinum personal

Dream card:
Amex black card

ScorpioRising · ‎09-21-2021

@Times wrote:
So I'm looking at both the amex gold and amex gold biz. It seems they both have no preset credit limit and can scale as you spend more and pay it off?

Does amex care if one uses the personal card as a biz card?

These are my only concerns. The points/categories dont mater much to me atm

The main difference that I can point out is that the annual fee for business cards is fully deductible whereas you can only deduct a certain percentage for personal cards. This is after detailing the credit card charges for said business.

Amex may or may not not care in the moment. However, some card companies actually do and will cancel your card for wrongful use. It's certainly easier for your bookkeeping and makes good sense to dedicate business cards to actual business use, wouldn't you agree?

Anonymous · ‎10-03-2021

Plat from Resy can potentially net you 500k MR points if you can max the x15 at restaurants and/or shop small with 25k cap. Add in the SUB of 125k and bam 500k MR points... so there's that to consider I suppose

Alephbet · ‎10-03-2021

The AMEX business cards do not report to your personal credit report either. I have the AMEX Business Gold, Business Platinum, and just recently added the Blue Business Plus. The Business Platinum has a $200 Dell credit ($100 for first six months, $100 for second six months) and $179 CLEAR credit. Just like the personal Platinum, the Business Platinum also has a $200 airline incidental credit. The big advantage to the Business Platinum is 35% points rebate on flights in any class for your selected airlines (the same as for the airline incidental credit) and also business or first class tickets on any airlines. Basically you pay the full amount in points and then get 35% of the points back in a 6-8 weeks or less. The downside of the Business Platinum over the personal Platinum is that you only get 5x through Amextravel.com rather than also directly with any airline as well as Amextravel.com. That works fine for my uses since I also have other business airline credit cards but may be frustrating to some.

As for the AMEX Gold vs AMEX Business Gold, they do have different categories. I use mine for select technology companies and gas. Both Gold and Business Gold do offer restaurants and flights directly with airlines (3X on Gold and 4X on Business Gold). The Business Gold gives you 4X in your top two categories out of six on up to $150,000 of spend while the personal Gold gives you 4X on dining and groceries (up to $25,000 per year for groceries) along with 3X on flights directly with airlines. I would prefer the Business Gold offer 4X on all six categories instead of the top two each month but I still use it a lot for the two I use on that card.

ScorpioRising · ‎10-03-2021

@Alephbet wrote:
The AMEX business cards do not report to your personal credit report either. I have the AMEX Business Gold, Business Platinum, and just recently added the Blue Business Plus. The Business Platinum has a $200 Dell credit ($100 for first six months, $100 for second six months) and $179 CLEAR credit. Just like the personal Platinum, the Business Platinum also has a $200 airline incidental credit. The big advantage to the Business Platinum is 35% points rebate on flights in any class for your selected airlines (the same as for the airline incidental credit) and also business or first class tickets on any airlines. Basically you pay the full amount in points and then get 35% of the points back in a 6-8 weeks or less. The downside of the Business Platinum over the personal Platinum is that you only get 5x through Amextravel.com rather than also directly with any airline as well as Amextravel.com. That works fine for my uses since I also have other business airline credit cards but may be frustrating to some.

As for the AMEX Gold vs AMEX Business Gold, they do have different categories. I use mine for select technology companies and gas. Both Gold and Business Gold do offer restaurants and flights directly with airlines (3X on Gold and 4X on Business Gold). The Business Gold gives you 4X in your top two categories out of six on up to $150,000 of spend while the personal Gold gives you 4X on dining and groceries (up to $25,000 per year for groceries) along with 3X on flights directly with airlines. I would prefer the Business Gold offer 4X on all six categories instead of the top two each month but I still use it a lot for the two I use on that card.

Really good post. On point with everything!