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70,000 points
$295
19.49% - 27.49% Variable
Good to Excellent (670-850)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
(at Amex's secure site)
The American Express 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.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Business Gold card is a perfect fit for small business owners who have significant spending in 1 or more of the card’s 6 bonus categories, and want a card that will help them rack up the points on those purchases.
Since the 4x point earnings apply to the first $150,000 in combined purchases from these 2 categories each calendar year, those who are able to meet this spend threshold can earn a whopping 600,000 Amex Membership Rewards points per year — worth $13,200 based on our valuations.
Further, the card is a great option for traveling business owners as it doesn’t charge foreign transaction fees (rates and fees).
When you book a flight through American Express Travel and pay using your Amex Membership Rewards points, you’ll get 25% of those points back.
You can use this perk when you book first class or business class tickets with any airline, or towards any ticket with your selected airline from a list of qualifying airlines. Keep in mind that you’re limited to up to 250,000 points back per calendar year.
When you book your hotel through Amex The Hotel Collection, you’ll get a $100 hotel credit to spend on qualifying dining, spa, and resort activities, plus a room upgrade when available.
Your card offers protections to keep you covered when things go wrong:
It’s no secret that Amex Membership Rewards points are some of the most valuable points out there. While the Amex Business Gold card is great at earning them, there are many other options out there for you to earn even more Membership Rewards points.
Once you’re sitting on a large balance of points, you’ll want to learn the best ways to redeem your Membership Rewards points so that you can make sure you’re getting great value out of each redemption.
If you’re hoping to redeem your points for first and business class airline tickets for pennies on the dollar, by far the best way to do that is by making strategic use of Amex travel transfer partners.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
This card is a great choice for those looking for a more well-rounded option. While it doesn’t earn 4x points like the Amex Business Gold card, it does earn 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, internet, cable, and phones services. You’ll earn those points on every category — instead of 2 with the Amex Business Gold card.
See how these cards compare: Amex Business Gold Card vs. Ink Business Preferred Card.
Terms Apply / Rates & FeesTake control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
If you prefer a cash back credit card, then the Amex Blue Business Cash card could be a great option for you. The card offers 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%.
We’ve also compared the Amex Business Gold card with some other credit cards:
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
The annual fee is $295. However, you can easily get thousands of dollars in value per year by maximizing the card’s perks and benefits.
It absolutely can be! If you’re a small business owner who has a significant level of spend in 1 of the 6 bonus categories (such as advertising on Facebook or Google Ads), and would benefit from card perks like purchase protection and extended warranty coverage, then the card might be a great fit for you.
Any small business owner, including sole-proprietors, freelancers, and independent contractors, is eligible to apply for a business credit card. Your approval will depend on factors including your credit score (which we strongly suggest should be 700+), years in business, and annual revenue.
No, there are no foreign transaction fees when using the card.
Yes, it’s a heavy metal card.
The Amex Business Gold doesn’t offer any airport lounge access. If you’re looking an Amex business card that comes with lounge access, consider the Amex Business Platinum card that comes with the best lounge access.
There is no “preset” credit limit as it can change every month depending on factors like your spending habits and how much (and how fast) you pay off your balance. Unfortunately, there’s no way of knowing how much you’ll be able to spend before applying.
Unfortunately, this offer is not public anymore and was only available for a short time. Instead, you can expect welcome offers of 35,000 to 70,000 points. You can check your current offer here.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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