American Express® Business Gold Card
Rating
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
The American Express® Business Gold Card offers a flexible rewards program designed to adapt to your business spending patterns. With its unique earning structure and business-focused benefits, this card can provide significant value for the right user. However, its annual fee and rewards cap may not suit all businesses. Terms apply.
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Rewards Structure
The Business Gold Card features a dynamic rewards system that adapts to your business spending:
- Earn 4X Membership Rewards® points on the two select categories where your business spent the most monthly (up to $150,000 in combined purchases per calendar year).
- The 4X categories include:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
- Earn 1X points on all other eligible purchases
This structure allows businesses to maximize rewards in their highest spending categories without activating or choosing categories in advance.
Travel Benefits
While not as extensive as some premium travel cards, the Business Gold Card offers valuable travel perks:
- Trip Delay Insurance
- The Hotel Collection
- Global Assist Hotline
- Baggage Insurance Plan
- No foreign transaction fees (see rates and fees)
Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Business-Focused Perks
The card includes several benefits tailored to business needs:
- The Hotel Collection: $100 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available, when you book a stay of two consecutive nights or more (terms apply)
- Expense management tools to help you organize and categorize your business expenses
- Employee cards with the ability to set spending limits
Annual Fee and Other Charges
The American Express® Business Gold Card has an annual fee of $375. While this is lower than some premium business cards, it's still a significant consideration. Like any credit product, there are other potential fees, such as late payment fees. Refer to the card's Rates and Fees document for the most up-to-date information.
Who Should Get This Card?
The American Express® Business Gold Card is best suited for:
- Business owners with varied monthly expenses who can take advantage of the flexible 4X categories
- Those who frequently book travel through American Express can benefit from the Pay with Points rebate
- Businesses that value the combination of rewards-earning potential and business management tools
Who Should Consider Other Options?
This card may not be the best fit for:
- Very small businesses that may not justify the annual fee
- Those looking for luxury travel perks like airport lounge access
- Businesses with expenses that consistently exceed the $150,000 cap on 4X rewards
The American Express® Business Gold Card offers a flexible rewards program that can adapt to your business's changing needs. Its unique earning structure and business-focused benefits can significantly benefit many businesses. However, the annual fee and rewards cap mean it's not for everyone. Carefully consider your business's spending patterns and needs to determine if this card is right for you.
Pros
Flexible rewards structure: Automatically earn 4X Membership Rewards® points in your top two spending categories each month from a list of six options.
No preset spending limit: Buying power adapts based on factors like your purchase, payment, and credit history.
Travel and shopping protections: Includes trip delay insurance, baggage insurance, and purchase protection (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide)
Cons
Annual fee: $375 annual fee may be high for smaller businesses or those with lower monthly expenses.
Limited luxury travel perks: Fewer premium travel benefits compared to higher-tier business cards.
Rewards cap: 4X points category bonuses are limited to the first $150,000 in combined purchases per calendar year.
