Lovie vs Amex Business Gold

Amex Gold costs $375/year. Lovie costs $0.

The Amex Business Gold card offers 4x points in your top categories — but at $375/year with a personal guarantee. Lovie gives you a card for free with your $39/mo plan.

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Lovie vs American Express Business Gold.

A detailed comparison of Lovie and American Express Business Gold Card for startups and small businesses.

American Express Business Gold Card

Amex Biz Gold

American Express

Full review
Annual Fee
$375
Rewards
4x points on top 2 spending ca...
Intro Offer
Up to 200,000 points after $15...

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

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