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How To Find the Amex Business Gold Card 70k Welcome Bonus Offer [Current Public Offer is 100k]

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Jarrod West
Updated: 
Edited by: Kellie Jez
How To Find the Amex Business Gold Card 70k Welcome Bonus Offer [Current Public Offer is 100k]
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The American Express® Business Gold Card is a phenomenal business card option that can really help cardholders rack up the points if their monthly expenses fall within 1 or more of the card’s 6 bonus categories. You’ll also receive great benefits like purchase protection and travel protection.

If you like what the Amex Business Gold card has to offer, and you’re interested in adding it to your wallet, here are some tips and strategies you can use to help get the highest welcome offer possible — including up to 70,000 Membership Rewards points!

Card Benefits Summary

Before jumping into how you can find the highest bonus possible, it is important to make sure that the Amex Business Gold card is a good fit for you and your business needs. Here is an outline of the top perks and benefits of the Amex Business Gold card.

ELEVATED OFFER
American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
100,000 points
Up to $2,200
$375
18.24% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons
Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • U.S. purchases made from electronic goods retailers and software & cloud system providers
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
Read Full Review
Card Highlights
  • 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.*
  • 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.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
Financial Snapshot
  • APR: 18.24% - 28.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Key Benefits

  • Purchase Protection: Purchases are covered for 90 days from the purchase date, up to $1,000 per item and $50,000 per year, in the event of theft, loss, or damage.
  • Extended Warranty Protection: Items purchased with a manufacturer’s warranty of 5 years or less can be extended up to 1 additional year.
  • Trip Delay Insurance: If your flight is delayed by more than 12 hours, you’re covered for up to $300 for reasonable expenses like meals, lodging, and personal use items.
  • Baggage Insurance: If your baggage is lost during transit, or items inside are damaged, you are covered up to $1,250 per traveler for carry-on bags, and up to $500 per traveler for checked bags.
  • Rental Car Insurance: Secondary coverage for your rental vehicle covers damages caused by theft or collision up to $50,000.
  • American Express Hotel Collection: When you book through the Amex Hotel Collection, you’ll receive a space available room upgrade at check-in and a $100 credit to spend on qualifying dining, spa, and resort activities.
  • Cell Phone Protection: If your cell phone is stolen or damaged, you’re covered up to $800 per claim. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period.

How To Find the 70k Amex Business Gold Card Welcome Bonus Offer

Amex Business Gold High Tea
The Amex Business Gold card is an excellent card for small business owners. But how can you get the best welcome offer possible? Image Credit: American Express

If you’re looking to get a higher welcome offer than the current public offer, here are a few ways to track down an increased bonus!

Targeted offers are discussed in the article below. Please note that these offers are not available to all applicants. Any information related to targeted offers has been collected independently and has not been reviewed or provided by the card issuer.

Increased Public Welcome Offer

If you’ve been in the points and miles world for a while now, you know that credit card issuers will periodically run limited-time marketing campaigns that involve increasing the welcome offer for a particular card, and American Express is no exception. So if you’re wanting to add the Amex Business Gold card to your wallet, and American Express happens to be promoting an increased welcome offer, then that would be the perfect time to apply for the card.

ELEVATED OFFER
American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
100,000 points
Up to $2,200
$375
18.24% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons
Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • U.S. purchases made from electronic goods retailers and software & cloud system providers
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
Read Full Review
Card Highlights
  • 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.*
  • 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.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
Financial Snapshot
  • APR: 18.24% - 28.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Amex Referral Offer

If you have a friend or family member who has an American Express card, sometimes you can receive an increased welcome offer when applying through their referral link. This is usually a win-win for everyone involved because you get to benefit from the increased welcome offer and your friend receives a referral bonus when you get approved for the card.

Hot Tip: Your friend or family member does not need to have an Amex Business Gold card in order to send you a referral. As long as they have any card with American Express, their referral is good for the entire suite of Amex cards. For more information, check out our detailed post about the American Express Refer a Friend program.

Check for Prequalified Offers With American Express

If you’re in the market for a new American Express card, you can check for prequalified offers directly on its website. Sometimes, if you’re lucky, a prequalified offer might even come along with an increased welcome offer!

In order to check for prequalified offers you need to first head to the American Express website, then click Cards, and finally Check for Pre-qualified Credit Card Offers. If you have been prequalified for any card that American Express offers, they will show up here. Then simply select the card you want to apply for and get started with the application process.

Amex Pre-Qualified Offers
Click Check for Pre-qualified Credit Card Offers underneath the Cards tab. Image Credit: American Express

Targeted Mailings From American Express

American Express also sends out targeted offers by mail that can occasionally include increased welcome offers. If you’ve never received one before, then it is probably the case that you need to opt-in. This is because American Express is only allowed to send marketing materials to people who have consented to receive them.

If you want to opt-in to receive these offers, go to the communications preferences in your American Express account and enable communication via mail and email.

Reasons You May Not Access a Higher Welcome Offer

Low Credit

Perhaps a bit obvious, but it is worth noting that if you currently have a low credit score, then it is very unlikely that American Express will approve you for the Amex Business Gold card. If this is the case, you won’t be able to receive the welcome offer, no matter how high it is.

If this is your situation then you should focus on improving your credit score first! There are plenty of strategies you can implement to help boost your score with time. Keep your credit utilization low and always pay your bills on time each month and you’ll have an improved score before you know it. If you’re applying with an EIN, you’ll want to work on increasing your business credit score.

The Current Public Offer Is Not an Increased Offer

As we mentioned previously, increased public welcome offers are usually a promotion, so they can come and go throughout the year. However, if American Express is not currently running an increased welcome offer promotion, all hope is not lost! You could still ask a friend or family member to seed you their referral link, or even wait to see if you receive a targeted offer by mail.

You’ve Opted Out of Marketing Offers

If you want to be on the list to be contacted about targeted offers, including ones with increased welcome offers, then you have to make sure you opt-in to receive these offers ahead of time. Otherwise, you could be missing out on great offers. It is worth taking a few minutes of your time to make sure you opt-in.

Final Thoughts

The Amex Business Gold card is a great fit for small business owners who are looking to maximize all of their monthly expenses on purchases within the card’s bonus categories like advertising, computer hardware, and shipping. If you’ve decided that the Amex Business Gold card is the perfect match for you and your business, then make sure you take the steps in this post to make sure you’re getting the best welcome offer possible.

For the purchase protection benefit of the American Express® Business Gold Card, when an American Express® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. 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.

For the extended warranty benefit of the American Express® Business Gold Card, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. 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.

For the trip delay insurance benefit of the American Express® Business Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the American Express® Business Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. 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.

For the car rental loss and damage insurance benefit of the American Express® Business Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

What is the credit limit for the Amex Business Gold card?

The Amex Business Gold Card does not come with a predetermined credit limit, but this does not mean that there is no spending limit. Your actual limit will vary each month based on your spending habits, payments made, and how much you currently owe.

How can I get the 70,000 welcome offer for the Amex Business Gold card?

You can help track down the 70,000 point welcome offer on the Amex Business Gold card by utilizing the following strategies outlined in the article:

  • Waiting for an increased public welcome offer
  • Asking a friend to send you a referral
  • Checking for prequalified offers with American Express
  • Opting into targeted mailings from American Express
Is the Amex Business Gold card worth it?

If you’re a small business owner that has a significant amount of monthly expenses that fall within 1 or more of the cards 6 bonus categories, then the Amex Business Gold card would very likely be worth it to you.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  •  U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

How do I qualify for the Amex Business Gold card?

If you’re a small business owner, whether you have a brick and mortar store or drive for Uber on the weekends, you are eligible to apply for the Amex Business Gold card.

Whether or not you’ll be approved for the card will depend on factors like your personal or business credit score (we recommend you have a 700+ or 70+, respectively), your business income, and your number of years in business.

What is the annual fee of the Amex Business Gold card?

The annual fee of the Amex Business Gold card is $375. With that said, the benefits and points you’ll earn can easily outweigh what you’ll pay for the annual fee each year.

Does the Amex Business Gold card come with airport lounge access?

The Amex Business Gold card does not offer access to any airport lounge networks. If you want a card that offers best-in-class airport lounge access, then consider The Business Platinum® Card from American Express, which includes access to 6 different airport lounge networks.

Does the Amex Business Gold card charge foreign transaction fees?

No, the Amex Business Gold card does not charge foreign transaction fees.

Is the Amex Business Gold card metal?

Yes, the Amex Business Gold card is a metal card.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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