American Express Business Gold Card overview
Business owners looking to make the most money with one card, The American Express® Business Gold Card is a great option for business owners. In this card, it has high bonus categories that automatically reflect your highest spending categories per billing cycle and earns transferable Membership Rewards points. ********* Card rating* ‘I1’2**, **Card rating *
* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The American Express Business Gold Card is a good deal for business-friendly bonus categories and offers valuable benefits. Nevertheless, it also includes a $375 (see rates and fees) annual fee.
Our advice is that applicants should have a good to great credit score so they can get approved more. I’m a small business owner looking for securing the right business card, here’s how does the Amex Business Gold work to help you decide whether it is suitable.
Amex Business Gold Card pros and cons
| Pros | Cons |
| — | — |
| * Earn bonus points in your top two spending categories each month * Valuable transferable points | * Better options are available for small businesses that have fewer expenses * Charges an annual fee * High minimum spending requirement for welcome offer |
Amex Business Gold Card welcome offer
A new Amex Business Gold cardmembers can be notified about their offer and may receive as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. Greetings are different and you may not qualify for an offer, but welcome offers do vary.
This is now the standard welcome offer.
TPG’s April 2026 valuations place Membership Rewards points at 2 cents apiece, making this bonus worth up to $4,000.
THE POINTS GUY
Keeping in mind that if you’ve ever been offered a welcome offer for this card, it’s worth noting that the prospect of re-applying to elicit he/she will no longer be eligible for pursuing.
But you can downgrade this card from another Amex business card, including American Express’s The Business Platinum Card®.
Related: The best credit card welcome bonuses currently available
Amex Business Gold benefits
Amex Business Gold You won’t get luxury benefits like airport lounge access, but the card has some good perks with it.
Statement credits
The most significant Amex Business Gold benefit is the up to $395 in annual statement credits it offers, featuring:
- As much as $240 flexible business statement credit per calendar year (up to $20 per month) for eligible U.S. S. FedEx, Grubhub and office supply stores* buys at the .
- $155 statement credit for Walmart+ monthly membership (up to $12). Plus Ups not eligible for the same membership fee, plus applicable taxes on one of its members 95 per month; auto-renewal PlusUps does not qualify to earn*.
*Enrollment is required.
If you’re able to maximize these credits, you can recoup the card’s annual fee.
Business benefits
There are also a number of good tools for managing your business costs, including the Amex Business Gold. There are 99 employee cards ($95 annual fee for the first five), a $ 95 annual rate after those first 5; see rates and fees) and earn points on their purchases.
JW Marriott Camelback Inn. BECKY BLAINE/THE POINTS GUY
Also, you can easily designate an employee as account manager so that a person other than the primary account holder can review transactions, add new employees and pay payments.
It is also a source of year-end summaries, auto-expense classification in QuickBooks, free Vendor Pay by Bill. A first user membership for com and a $15 monthly membership fee for the second users following’six months of no fees (see rates and fees), as well as no preset spending limit (the amount you can spend depends on your purchase, payment and credit history) A (for the select benefits) must be enrolled (Enrollment is required). ) and.
You’ll also enjoy no foreign transaction fees on any purchases you make abroad (see rates and fees).
Protections
Cardholders enjoy several valuable travel and shopping protections with the Amex Business Gold:
- Cellphone protection Cards can be reimbursed for the cost of repairing or replacing their stolen or damaged cellphone up to $800 per claim (up to two approved claims per year with $50 deductible on each claim)*
**************** Five-year or less warranties can be extended by one year (up to $10,000 per claim; not more than $50,000 per calendar year).
The * Purchase protection if it is stolen or damaged (limited to $1,000 per incident, up to $50,000 per account each calendar year) purchases are covered for as long and 90 days after the purchase date has been paid by . - Travel protections: Cardmembers get several travel protections, including baggage insurance,* trip delay insurance** and rental car insurance***
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Access
The hotel collection also provides cardholders with a $100 on-property credit for two nights or more stays, and valuable Amex Offers.
Virgin Hotels London Shoreditch. VIRGIN HOTELS COLLECTION
You can get more travel and business benefits on other cards, but the statement credits, business advantages and protections that come with Amex Business Gold are a perfect fit for many businesses.
Related: Is the Amex Business Gold worth the annual fee?
Earning points on the Amex Business Gold
The Amex Business Gold is one of the unique features in your bonus categories, which can change each billing cycle to match your spending patterns. When you spend 4 points per dollar in your top two spending categories each billing cycle, you’ll automatically earn that money so you don’t have to choose a category and commit to it.
When your spending habits are month to month, Amex will help you earn the highest bonus points in your life. The categories that can be used as .
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- Purchases at U.S. media providers for advertising in select media (online, radio, TV)
- Transit purchases, including buses, ferries, parking, ride-hailing services, subways, taxicabs, tolls and trains
- U.S. purchases made from electronic goods retailers and software and cloud system providers
- U.S. purchases at
gas stations
- U.S. purchases at
restaurants
, including takeout and delivery
CHRISTINE WEHRMEIER/GETTY IMAGES
The 4-point-per-dollar rate, which is an 8% return on TPG’s valuation of Membership Rewards points at 2 cents each, is $150,000 per calendar year for all bonus categories (then 1 point per dollar) and the 3-point value.
Outside of those bonus types you will earn 3 points per dollar on flights, prepaid hotels and a flight and hotel package booked through AmexTravel. com or the Amex Travel AppTM, and 1 point per dollar spent on all other eligible purchases.
Related: Maximize your earning with the Amex Business Gold
Redeeming points on the Amex Business Gold
Membership Rewards points are earned from the Amex Business Gold card, which you can transfer to any of AmEx’s airline and hotel partners.
CARLINA TETERIS/GETTY IMAGES
In addition to a redeeming point, you can book travel through Amex Travel (in cash for the statement credit or if it is credited with ‘gift card’) or use them as payment on your purchases directly at Amazon or in the Membership Rewards online shopping mall.
Yet, these options will give 0 to . The point is 5 to 1 cent per point, so we suggest transferring your points to travel partners for the best value.
Related: How to redeem American Express Membership Rewards for maximum value
Transferring points on the Amex Business Gold
In addition to earning your Amex Business Gold points, the most valuable redemption option is transferring them to AmEx’s hotel and airline partners (Air France-KLM Flying Blue, Iberia Club and Marriott Bonvoy).
The transfer of his Amex points to Air Canada Aeroplan, which offers a large number of airline redemption partners at sensible fixed award chart rates, is the favorite for TPG senior points and miles writer Ben Smithson.
He likes moving to British Airways Club for short-haul flights from the United Kingdom to other destinations in Europe on British Airlines (under 5,000 points each way).
Air Canada premium economy. BEN SMITHSON/THE POINTS GUY
A regular transfer bonus from Amex is a way to earn more value for your points and get even more money out of your point. You’ll find some that work for you in Amex’s plethora of partners, whatever your travel preferences and goals.
Related: The best ways to use Membership Rewards points
Which cards compete with the Amex Business Gold?
One of these cards may be more valuable if you want to earn statement credits or can’t justify the Amex Business Gold annual fee “If you have one, I think, that is what you need.”
- If you want more statement credits:
The Business Platinum Card from American Express
It has unrivaled lounge access and a suite of business-related and travel statement credits. card costs an expensive $895 annual fee (see.
rates and fees
). To learn more, read our
full review of the Amex Business Platinum
.
- If you want to earn Chase Ultimate Rewards: The
Ink Business Preferred® Credit Card
(see
rates and fees
- Chase Ultimate Rewards points per dollar spent on shipping, internet and cable and phone services (advertent with social media sites and search engines and travel purchases (on the first $150,000 total in combined purchases was 1 point per dollars)). That’s also much less than the annual fee for , which comes with a very low $95. If you want to know more, read our review of .
full review of the Ink Business Preferred
.
- If you want to earn Membership Rewards with no annual fee:
The Blue Business® Plus Credit Card from American Express
The earns 2 Membership Rewards points per dollar on all eligible business purchases (up to $50,000 per calendar year, then 1 point per dollars) and no annual fee (see See Annual Cost).
rates and fees
). To learn more, read our
full review of the Blue Business Plus
.
For additional options, see our list of best business credit cards and best Amex credit cards.
Related: Amex Business Gold vs. Amex Business Platinum
Bottom line
A great Amex Business Gold for your small business is if you can get the most of its bonus-earning categories and the statement credits it offers. This is a compelling card for many business owners, as it has the bonus categories that adjust to your spending and additional business benefits.
But if you’re looking for more business benefits or have to keep your annual fee costs low, still there is no card (in fact) that wins gold medal for wallet.
Apply here: American Express® Business Gold Card
For rates and fees of the Amex Business Gold, click here.
For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Blue Business Plus, click here.
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