Is the Amex Business Gold card's 110K offer still available?

Yes. You may be able to find multiple variations of the Amex Business Gold card’s welcome offer when applying, which could be as high as 200,000 points.

Who is eligible for the 110K Amex Business Gold card's welcome offer?

In general, you can only earn 1 welcome offer per American Express card. Other eligibility crieria is determined by American Express and varies by applicant. Factors such as your existing relationship with Amex, credit profile, and business details can influence which bonus offer you see. Because these welcome offers are targeted, the only way to confirm eligibility is to go through the application process.

What is the spending requirement for the 110K bonus?

To earn the Amex Business Gold card’s welcome offer, you’ll need to spend $15,000 on eligible purchases in the first 3 months of account opening. Points should be credited within 8-12 weeks of reaching the minimum.

Is the 110K bonus offer the highest available on the Amex Business Gold card?

No. Targeted applicants have been reported bonus offers as high as 200,000 points.

[Expired] Can You Find the Amex Business Gold’s 110K- or 150K-Point Welcome Offer? [Current Public Offer Is as High as 200K]

Updated: April 2, 2026, 12:42pm CDT

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Table of Contents

Amex Business Gold Card 110K Welcome Offer
Key Card Details
Making the Most of Your 110K Points
Final Thoughts

We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Update:The offer mentioned below has expired and is no longer available.

110,000 bonus points with the American Express^® Business Gold Card is a strong welcome offer for eligible applicants.

That said, some applicants may be targeted for even higher welcome offer with the opportunity to earn as high as 200,000 points. Here’s the current public welcome offer:

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

In this guide, we’ll discuss how you can confirm your eligibility before applying and the steps to confirming which welcome offer you’ll receive.

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 110K 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 bonus offers available at any time.

Eligibility & Pop-Up Rules for the 110K Bonus Offer

You can easily find out your eligibility for the welcome offer by seeing if a “pop-up message” appears during the application. If you see this, Amex is informing you that you’re not eligible for the welcome offer on the Amex Business Gold card.

Delta Amex card application pop up — What a pop-up notification may look like. Image Credit: American Express

From here, you can keep going (without earning the bonus offer) or withdraw from the process. Either way, your credit score won’t be affected.

If you don’t see this pop-up window, this means you’re eligible for the welcome offer shown on the next screen. Not everyone will see the highest welcome offer, as your eligibility is based on existing American Express account activity, your previous and current card history, and other factors listed on your application. (Source: American Express)

Most of the time, welcome offers can only be earned once per specific card. Under the “Offer & Benefit Terms” of the application, you may find this lifetime-limiting language: “You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card.”

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

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

Our writers recently found a 200,000-point welcome offer on the Amex Business Gold card:

Amex Business Gold as high as 200k — Offer captured on April 2, 2026, and may not be available to all applicants. Image Credit: American Express

If you want to apply and find out which bonus offer you’re targeted for, click the “Apply Now” button and enter your basic information to continue the application. Initially, American Express conducts a soft credit check to approve you and determine the welcome offer it will show you. If you decide to leave the application, even after reviewing your welcome offer, fortunately your credit score won’t be affected. (Source: American Express)

However, your credit score may be affected if you accept your new card and open the new account. That’s because there may be a hard credit inquiry at the point of finalizing the application.

Amex Business Gold as high as 200k application — Offer captured on April 2, 2026, and may not be available to all applicants. Image Credit: American Express

Here’s an example of a welcome offer for 110,000 points.

American Express Business Gold offer — Offer captured on August 3, 2022, and may not be available to all applicants. Image Credit: American Express

And lucky applicants may see a higher welcome offer of 150,000 bonus points.

Amex Biz Gold 150k April 14 2025 — Offer captured April 14, 2025. Note how most of the page looks the same as in April 2026, but the number of points offered has changed. Offer shown above may not be available to all applicants and is subject to change. Image Credit: American Express

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 offer is worth $2,420, and a 150,000-point offer is worth $3,300.

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. (Source: CardMatch)

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.

Key Card Details

The Amex Business Gold card has a $375 annual fee (rates & fees). Benefits of the Amex Business Gold card include:

4x points on the top 2 eligible business categories each month (up to the first $150,000 in combined purchases per calendar year, then 1x points)
Up to $20 in monthly statement credits for purchases at FedEx, Grubhub, and office supply stores (enrollment required)
A monthly statement credit for a Walmart+ membership (enrollment required)
Trip delay insurance, car rental loss and damage insurance, cell phone protection
Purchase protection and extended warranty protection

Making the Most of Your 110K Points

What can you do with all these Amex Membership Rewards points? Here are a few ideas:

Fly ANA first class 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.
Fly round-trip business class to Europe: Avianca is a Star Alliance member, and its award database includes flights on United, Lufthansa, Air Canada, and SWISS. Avianca charges 63,000 miles one-way for a business class flight from the U.S. to Europe. Amex points transfer at a 1:1 ratio.
Book 7 tickets to French Polynesia: Australian airline Qantas partners with Air Tahiti Nui to provide award flights to French Polynesia, and flights from the U.S. West Coast cost just 22,500 points one-way in economy. Amex points transfer to Qantas at a 1:1 ratio.

Hot Tip:

For more inspiration, check out the best ways to redeem your Amex Membership Rewards points (we also have guides for redeeming 60,000 and 100,000 Amex points).

Final Thoughts

When applying for the Amex Business Gold card, you may find welcome offers varying around 110,000 points. However, some people may be targeted for the opportunity to earn as high as 200,000 points. Be sure to check your eligibility before applying, and review our full Amex Business Gold card guide for complete details.