Edited by: Jessica Merritt
& Keri Stooksbury
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The American Express® Business Gold Card is an excellent option for business owners looking to earn as many points as possible for their business expenses. In fact, its combination of bonus categories, perks, and redemption options is why we regularly rank it as one of the best business credit cards.
If you’re considering adding the Amex Business Gold card to your wallet, you might be wondering how difficult it is to get approved for the card. This guide will break down everything you need to know and offer some tips on how you can boost your approval odds.
Get 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.)
One of the best perks of the Amex Business Gold card is its ability to earn 4x points per dollar spent on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year) from categories including:
Cardholders also receive up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores, and up to $155 Walmart+ credit. Some credits require enrollment, so make sure to explore your American Express account first. Plus, you’ll also get access to the Amex transfer partners, Amex offers, Amex’s The Hotel Collection, cell phone insurance, and more.
When you apply for a new credit card, issuers will look at your credit score.
You likely already have a rough idea of what your credit score is, but if you don’t, you can check your credit score very easily. You might already be able to view a free credit report via your current credit issuer or bank. Additionally, you can check your credit score for free with TransUnion, Equifax, Experian, or even through a service such as Credit Karma.
If you’ve been in business long enough, you might already have a business credit card and/or a business loan, and therefore, have a business credit score separate from your personal credit score.
While these 2 scores are different, you do not need a business credit score to apply for the Amex Business Gold card. In fact, you don’t need an Employer Identification Number (EIN) to apply for the Amex Business Gold card. If you operate your business as a sole proprietorship, you can use your Social Security number.
If you’re considering applying for the Amex Business Gold card, we recommend that you have a personal credit score of at least 670 or higher — or a business credit score of at least 75 — to maximize your approval odds.
That said, no matter how high your credit score is, there is no guarantee that you will be approved for the card. Your credit score is just a factor of the application, and American Express will consider other factors such as your business income, your history with American Express, and more.
Generally speaking, it’s not very hard to get approved for the Amex Business Gold card if you have a good credit score and a couple of years of clean credit history. Even those who are just starting their business and are unable to show much business income just yet can be approved for the Amex Business Gold card with a history of managing personal credit responsibly.
The higher your income, either via your business or personal income outside of your business, the better your approval odds for the Amex Business Gold card. Higher income signals a greater likelihood of being able to pay back your charges.
However, even if your business is new and you don’t have much income to show for it yet, you are still eligible to be approved for the card.
If your credit history is relatively new, it can adversely impact your approval odds for the Amex Business Gold card, as most credit issuers want to see that you have a long history of paying your bill on time.
Given that, we recommend that you have at least 2 years or more of a clean credit history before applying for the Amex Business Gold card.
If your credit score isn’t high enough to be approved for the Amex Business Gold card, here are some ways to improve your credit score.
If you’ve never had a credit card before, a business credit card like the Amex Business Gold card isn’t the best place to start.
These cards allow you to start building your credit history and show credit card issuers that you pay your balance on time each month.
If you have a trusted friend or family member who manages their credit responsibly, you could ask if they would consider adding you as an authorized user on one of their cards.
For those unfamiliar, being an authorized user allows you to benefit from someone else’s credit history, as this person is essentially vouching for you that they trust you with their credit.
That said, it’s essential that you ask someone who has a high credit score and always pays their bills on time, because if that person misses a payment and their credit score drops, it’s likely that your score will drop as well.
While this is relatively uncommon, if you notice that there are errors on your credit report, calling the credit bureaus to get these removed can quickly improve your credit score.Hot Tip:
Take a look at our complete guide to the best business credit cards available right now!
In our view, the Amex Business Gold card is one of the best business credit cards available, especially for those with large business expenses who are looking to earn as many points as possible on those purchases.
While it can be nerve-wracking wondering if you will be approved for a new credit card, the Amex Business Gold card isn’t very tough to be approved for so long as you have a good credit score and a couple of years of clean credit history.
For the cell phone protection benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
There is no set credit score that will guarantee approval for the Amex Business Gold card. However, those who have a credit score of 670 or higher usually have pretty high approval odds. But keep in mind that your credit score is just one factor in the approval decision.
For the most part, it’s not very hard to get the Amex Business Gold card. If you have a good credit score and a few years of credit history, you should have a good chance of being approved for the card. Even if you are just starting your business and have never had a business credit card before, you are eligible to be approved for the Amex Business Gold card using your personal credit.
There is no preset credit limit on the Amex Business Gold card. However, that does not mean you can charge as many purchases as you would like to the card. This means your overall credit can fluctuate month to month based on your spending habits, how much you’ve already charged to the card, your payment history, and more.
No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Yes, the Amex Business Gold card is a great business card thanks to its 4x rewards on your top 2 bonus categories each month from 6 different categories (like gas, restaurants, and ad spend). Plus, the card comes with perks, including statement credits, cell phone protection, access to the Amex transfer partners, and more.
Sadly no, the Amex Business Gold card does not offer airport lounge access. The only American Express business card that offers airport lounge access is The Business Platinum Card® from American Express.
Yes, after a year of holding the card, you can call the number on the back of your card or use the chat feature on the American Express website and ask to upgrade your Amex Business Gold card to the Amex Business Platinum card.
That said, we recommend you apply for the Amex Business Platinum card outright instead of upgrading. When you apply for the Amex Business Platinum card outright, you will be eligible for its sizeable welcome bonus offer which is often 120,000 points or more. On the other hand, if you simply upgrade the card, you likely will not receive any bonuses for doing so.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.