Let $a = \frac{3+\sqrt{5}}{2}$ and $b = \frac{3-\sqrt{5}}{2}$, $ab = 1$.
Then, $\det(A-aB) = c+d\sqrt{5} $ and $\det(A-bB) = c-d\sqrt{5}$.
So $\det(A-aB)\det(A-bB)$ is a rational number.
Thus, by calculating $(A-aB)(A-bB)$ and then applying the determinant, we obtain that $\det(AB-BA) = 0$.
This problem is similar to the following problem:
Let $A$, $B$ be two $n\times n$ matrices with real elements. Prove that if $A^2+B^2=AB$, then $\det(AB−BA)=0$.
Here you take $\epsilon$ a non-real number, $\epsilon^3=1$, the root for the equation $x^2+x+1=0$.
Then you calculate $(A+\epsilon B)(A+\epsilon^2 B)$, apply the determinant, and then the conclusion is proved.