Grab the Amex Business Gold Card 110,000- or Even 150,000-Point Welcome Offer [Current Public Offer Is 100K]

Looking for a new card but don’t want to pay a high annual fee? Amex has you covered with a very generous welcome offer on the American Express^® Business Gold Card.

Since this is a midtier card, you’d be on the hook for a $375 annual fee (rates & fees). However, the points you’d earn with this card would be worth far more than that.

Let’s take a look.

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.

Amex Business Gold Card Welcome Offer

Available welcome offers for the Amex Business Gold card are based on factors such as your credit score, income, and prior relationship with American Express. There are numerous offers available at any time. While an offer of 100,000 points is a tremendously valuable bonus, some people can get even better offers, such as 110,000 or 150,000 points. You can go a long way with a welcome offer that large.

We value Membership Rewards points at 2.2 cents each on average, meaning a 100,000-point welcome offer is worth $2,200, a 110,000-point bonus is worth $2,420, and a 150,000-point bonus is worth $3,300.

Option 1: Check on Amex Directly (Try This First)

If you want to pick up the Amex Business Gold card with the best possible offer, we recommend starting your search directly on the American Express website.

Checking directly will let you see which offer you’re targeted for. You may see an offer of 100,000 points, which is the current public offer.

If you want to apply, click the “Apply Now” button and enter your basic information to continue the application.

However, when you go to apply, you may see better offers than what’s available publicly right now. For example, you might see an offer for 110,000 points.

And lucky applicants may see an offer of 150,000 points.

Option 2: Check the CardMatch Tool

If you aren’t satisfied with the offer Amex shows you, we recommend checking offers in the CardMatch tool.

CardMatch performs a soft credit check to determine whether you’re eligible for any better offers. Because it isn’t a hard pull, checking offers won’t affect your credit score by showing an inquiry on your credit report.

Option 3. Targeted Email Offers

If you’re still searching for a better offer, watch for targeted email or mail offers. To receive these, you must opt in to receive new card and credit offers in your Amex account’s general marketing email preferences.

Option 4. Amex Business Gold Card Referral Offers

Friends and family members with an American Express card can refer you to an Amex card using the refer-a-friend program. This program also works for small business cards.

Better yet, referring a friend does not require the person referring you to have the Amex Business Gold card themselves. No matter which American Express card they hold, they can send you their referral offer. If you’re lucky, you may receive a targeted welcome offer that earns you even more points. You might even receive a 110,000- or 150,000-point Amex Business Gold card referral offer.

Amex Business Gold Card Benefits

Along with a generous welcome offer, the Amex Business Gold card comes with several benefits.

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)

Other benefits of the Amex Business Gold card include:

• Trip delay insurance
• Car rental loss and damage insurance
• Cell phone protection
• Access to Amex’s The Hotel Collection
• Purchase protection and extended warranty protection

Maximizing Amex Membership Rewards Points

What can you do with all these Amex Membership Rewards points? If you qualify for the welcome offer and complete your minimum spending requirement with 4x purchases, you’ll be sitting on a mountain of points.

So, what can you do with them? A lot.

Fly ANA First Class Round-Trip to Japan

Amex transfer partner Virgin Atlantic charges between 145,000 and 170,000 points for a round-trip first class flight on Tokyo-based ANA. Amex points transfer to Virgin Atlantic Flying Club at a 1:1 ratio, meaning 1 Amex point becomes 1 Virgin Point. You can book these awards one-way or round-trip.

Fly Round-Trip Business Class to Europe

Avianca, a member of the Star Alliance, has the Lifemiles program. Its award database includes some of the best products flying to Europe: United, Lufthansa, Air Canada, and SWISS. Avianca charges 63,000 miles one-way for a business class flight from the U.S. to Europe. Even better, it doesn’t pass along any fuel surcharges. This will keep your out-of-pocket costs low with airlines like Lufthansa and SWISS (which can charge up to $1,000 per flight when using miles in their programs).

Amex points transfer to Avianca Lifemiles at a 1:1 ratio.

Jet to French Polynesia 7 Times

How’s a trip to Bora Bora sound? Australian airline Qantas partners with Air Tahiti Nui to provide award flights to French Polynesia. Flights from the U.S. West Coast cost just 22,500 points one-way in economy, meaning you can buy 7 tickets and still have some Amex points left over.

As with the others on this list, Amex points transfer to Qantas at a 1:1 ratio.

Final Thoughts

This is an excellent offer for the Amex Business Gold card. Although it features fewer benefits than some of the cards with higher annual fees, you’d get thousands of dollars’ worth of points when meeting (and maximizing) the minimum spend. Plus, you’d receive multiple ongoing benefits year after year.