The Amex Gold Card is a big earner, but you can't use it everywhere. Learn about the places that don't accept it so you're prepared with a backup card.

In the American Express lineup of small-business cards, the American Express® Business Gold Card and The Business Platinum Card® from American Express are two popular offerings.But just like their consumer counterparts,

The American Express® Gold Card is designed for individuals with good or excellent credit. With the rewards program for this card you can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. The card charges a $325 annual fee. ( See Rates & Fees)

Now that the Amex Gold Card has a higher annual fee, it might be time to re-examine its perks. Read on for three signs it might not be worth it.