How To Find the Amex Business Gold Card 70k Welcome Bonus Offer [2021]

Hand holding Amex Business Gold Card

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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, travel protection, and a rebate on your points when you redeem them towards airfare.

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 bonus offer possible — including up to 70,000 Membership Rewards points!

Update: Click here to see if you’re being targeted with the 70,000 Welcome Bonus after spending $10,000 on eligible purchases with your card in the first 3 months of Card Membership. This is currently an offer that many people are seeing.

Benefits of the Amex Business Gold Card

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.

Key Benefits

  • 25% Pay With Points Bonus: Get a 25% rebate when you redeem points toward airfare on all flights with 1 airline of your choosing, plus business and first class flights on all carriers.
  • 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.

How To Find the 70,000 Amex Business Gold Card 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 bonus possible? Image Credit: American Express

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

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 bonus 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 bonus, then that would be the perfect time to apply for the card.

Amex Referral Offer

If you have a friend or family member who has an American Express card, sometimes you can receive an increased welcome bonus 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 bonus 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 bonus 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 Be Able To Get 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 bonus 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 bonus 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 bonus 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 bonus 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 bonus possible.


For rates and fees of the American Express® Business Gold Card, click here.


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 bonus for the Amex Business Gold card?

You can help track down the 70,000 point welcome bonus 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. The card bonus categories are as follows:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • 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, including takeout and delivery
  • U.S. purchases for shipping

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 $295. 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.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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