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![15 Benefits of the Amex Business Gold Credit Card [$7,500+ Value]](https://upgradedpoints.com/wp-content/uploads/2022/08/Amex-Business-Gold-Upgraded-Points-LLC-9-large.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
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The American Express® Business Gold Card isn’t necessarily one of those showy new credit cards with a giant welcome bonus. It doesn’t offer flashy benefits like hotel elite status or airport lounge access, so you’ll have to dig deeper to find the real value of this card.
Fortunately, though, the value is there for the right business. If your business can use the offered benefits, you can save thousands of dollars during your first year of card membership. That said, this Amex business card isn’t going to be valuable to all businesses.
Just like any business credit card, your spending categories need to align with the bonus categories, you’ll need to utilize the offered benefits, and you have to find enough value in the benefits to offset the annual fee. But with up to 4x earnings, rebates on airfare, and the ability to transfer points to travel partners, the card still offers plenty of value.
So that begs the question: does this card offer enough to be a valuable asset to your business?
Today, we’ll try to answer that question. We’ll look at all of the Amex Business Gold card’s benefits and help you see if it delivers enough value for your business to justify applying. Let’s get started!
Terms Apply / Rates & FeesGet 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
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.)
Membership Rewards points earned on the Amex Business Gold card are some of the most flexible and valuable points you can earn — and there are plenty of ways to earn them.
Earning rewards may not be the only reason you decided to acquire a business credit card, but it’s always near the top of the list of card benefits.
That’s because rewards can help offset bottom-line costs like travel expenses, or even fund an annual vacation you’d otherwise pay cash for.
You can earn the bonus by meeting minimum spending requirements within the first 3 months after card approval. With the current offer valued at $1,540, this is an imperative benefit to consider when evaluating the card.
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.)
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):
If your business spends $50,000 in 4x bonus categories in a year, you’ll earn 200,000 Membership Rewards points worth approximately $4,400.
Qualifying purchases made with Amex Travel using the card receive 3 Membership Rewards points per dollar spent. If you were to spend $10,000 on travel, you would earn 30,000 Membership Rewards points on your purchases.
All purchases earn at least 1 Membership Reward point per $1 spent, including bonus category spending that exceeds the annual $150,000 limit. There is no limit on how many points you can earn. If your business spent just $10,000 in non-bonus category spending or in 4x bonus purchases above $150,000 in a calendar year, you would earn 10,000 Membership Rewards points.
Hot Tip: From how to qualify, to benefits and perks, our guide will walk you through all the frequently asked questions about the Amex Business Gold card.
One of the best features of Membership Rewards points is that you can transfer your points to the Amex transfer partners. You can use these transfer partners to redeem for luxurious travel experiences like ANA first class to Tokyo or a long weekend in Hawaii.
Below you’ll find all of the Membership Rewards airline and hotel transfer partners:
| Amex Airline Transfer Partner | Min Transfer | Transfer Ratio (Amex > Partner) | Transfer Time |
|---|---|---|---|
| Aer Lingus | 1,000 | 1:1 | Almost Instant |
| AeroMexico | 1,000 | 1:1.6 | 2-12 days |
| Air Canada | 1,000 | 1:1 | Almost Instant |
| ANA | 1,000 | 1:1 | 3 days |
| Avianca LifeMiles | 1,000 | 1:1 | Almost instant |
| British Airways | 1,000 | 1:1 | Almost Instant |
| Cathay Pacific | 1,000 | 1:1 | Up to 1 Week |
| Delta Air Lines | 1,000 | 1:1 | Almost Instant |
| Emirates | 1,000 | 1:1 | Almost Instant |
| Etihad Airways | 1,000 | 1:1 | Almost Instant |
| Flying Blue Air France/KLM | 1,000 | 1:1 | Almost Instant |
| Hawaiian | 1,000 | 1:1 | Almost Instant |
| Iberia | 1,000 | 1:1 | 1-3 days |
| JetBlue | 250 | 1:0.8 | Almost Instant |
| Qantas | 500 | 1:1 | Almost Instant |
| Singapore Airlines | 1,000 | 1:1 | 1-2 days |
| Virgin Atlantic | 1,000 | 1:1 | 1-2 days |
| Amex Hotel Transfer Partner | Min Transfer | Transfer Ratio (Amex > Partner) | Transfer Time |
|---|---|---|---|
| Choice Privileges | 1,000 | 1:1 | Almost Instant |
| Hilton Honors | 1,000 | 1:2 | Almost Instant |
| Marriott Bonvoy | 1,000 | 1:1 | Almost Instant |
While you can transfer your Membership Rewards points to hotel partners, it’s not the best value for your points. Having the option is a positive, though — especially if you need to top off your hotel rewards account for a specific redemption.
Secondary coverage on eligible rental vehicles with the option to purchase Premium Protection for 1 low fee that covers the entire rental period. Prices range from $12.95 to $24.95 depending on the location and level of coverage selected. For example, on a 10-day rental, you could save ~$200 by not having to select the agency’s LDW coverage (at $20 per day).
Receive general travel, legal, medical, and financial assistance if things go wrong while you’re traveling.
You’re covered for lost, stolen, or damaged luggage up to $1,250 per covered person.
Book a prepaid hotel stay of 2 nights or more through qualifying American Express Travel providers, pay with your Amex Business Gold card and receive room upgrades and credit at checkout for select charges.
Hot Tip: You can learn more about The Hotel Collection in our detailed guide.
On qualifying items purchased with your card, the manufacturer’s warranty of fewer than 5 years is extended by 1 year.
Receive coverage for eligible items purchased with the Amex Business Gold card for accidental damage or theft, up to 90 days from the date of purchase; coverage is up to $1,000 per item and $50,000 per year.
Too big of a deal to miss out on, Amex Offers can literally save you thousands a year. You’ll find these offers listed on your account home page; just scroll down the page and select the offers that interest you.
Add the offer to your card and follow the purchasing terms and conditions to receive statement credits or additional Membership Rewards points.
If time is money, having the right business management tools can deliver economic value.
Your business could realize additional savings if it makes foreign purchases, as the card doesn’t charge foreign transaction fees.
Terms and conditions apply to all protections/benefits. You can access full descriptions and links to terms and conditions for each protection and benefit mentioned here.
The Amex Business Gold card is one of the most feature-packed business cards on the market, but you should still review its benefits and earning potential carefully to see if it makes sense for your business.
You’ll find benefits with elevated earnings of 4x on select bonus categories, Amex Offers, business management tools, and some ancillary travel benefits.
If you’ll spend more than $7,500 a year in 4x categories, take advantage of a few Amex Offers, and use the points you earn for high-end travel experiences, you’ll find plenty of value in the card.
Obviously, our value estimates are based on theoretical business spending scenarios. The value you actually receive will depend on how you utilize the card.
To check out other business credit cards for comparison, we’ve put together a full lineup of the best small business cards for maximum rewards and cash-back.
For the Car Rental Loss & Damage Insurance benefit of the American Express® Business Gold Card, the benefit 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.
For the Global Assist benefit of the American Express® Business Gold Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
For the Baggage Insurance Plan benefit of the American Express® Business Gold Card, 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 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 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 rates and fees of the American Express® Business Gold Card, click here.
The Amex Business Gold card is worth it if the value you receive for your business more than offsets the annual fee.
If your business cannot utilize these benefits, you would need to earn rewards with a value great enough to offset the annual fee.
For example, if your business spends $20,000 per year for advertising and gas, or other 4x earning categories, then you’ll earn at least $800 in rewards value using a very conservative valuation of 1 cent per Membership Reward point.
Start by signing in to your American Express online account.
As soon as your Membership Rewards points show up in your account there, they are ready to use.
At the top of the page, you’ll see options such as account services, benefits, and rewards. Click on Rewards.
On the next page you’ll see the total number of points in your account, and below the total is a drop-down menu with several options.
You’ll be able to select an option to redeem your points for travel, shopping, or to redeem your points for gift cards, and much more.
This is also where you can select Transfer Your Points if you decide to transfer your Membership Rewards points to an airline or hotel travel partner.
You’ll find Amex Offers listed when you log in to your online credit card account. Offers are added frequently, so it’s good to check often.
The offers are located below your account information under Amex Offers and Benefits. Click on Select all to view the complete list of offers.
Once you find an offer you like, you should read the terms and conditions, then add the offer to your card by clicking on the Add to card button.
Be sure to review the offer carefully to ensure you’re making the purchase correctly. For example, an offer can be good at samsclub.com but not at the physical store, or at walmart.com but not at the Walmart store.
Check out our comparison here: Amex Business Platinum card vs. Amex Business Gold card.
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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
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6 comments
Aleks
January 13, 2019
Are you sure about JetBlue and Starwood transfer rates?? They are different on Gold Personal card…
Christine Krzyszton
January 14, 2019
Hi Aleks! Thank you for your insight and pointing out the changes to the transfer partners. The American Express Membership Rewards website still has Starwood listed but soon to change as well. Also, the ratio is now 1:1. We will be updating the airline transfer list to include Virgin Atlantic and jetBlue changes. As always, the Rewards section of your American Express card home page will show the most recent transfer partners and ratios. Thanks again for the information.
Tanya Jain
October 23, 2022
Can you please confirn if this is still valid “If your business spent just $10,000 in non-bonus category spending or in 4x bonus purchases above $150,000 in a calendar year, you would earn 20,000 Membership Rewards points.”
I could not find this benefit anyware elese. Can you please validate? Thank you!
Christine Krzyszton
October 24, 2022
Hi Tanya. This is not a special benefit, this is just a calculation of how many points are earned. Since the Amex Business Gold card earns 2 points per dollar spent on the card, a $10,000 purchase (non-bonus spending) earns 20,0000 Membership Rewards points.
Amit
August 02, 2023
I’m not clear, so is it 1 point per dollar or 2 points per dollar? The article says 1 point but the $10,000 example giving 20k points equals 2 points per dollar.
Christine Krzyszton
August 02, 2023
Hi Amit. The card has bonus categories that earn 4 points per dollar and 2 points per dollar. All other purchases earn just 1 point per dollar spent. In the example, a travel purchase would earn 2 points per dollar spent. Therefore, a $10,000 purchase would earn 20,000 points. You can review the earnings structure in the card snapshot at the beginning of the article.
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