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Amex Business Gold Card: Requirements, Ideal Credit Score, and Approval Tips

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Jarrod West
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Jarrod West

Senior Content Contributor

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Jessica Merritt

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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Keri Stooksbury

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With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...

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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.

Amex Business Gold Card Snapshot

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees

American Express® Business Gold Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

Pros

  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! 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 such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
  • Purchase protection and extended warranty protection
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

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:

  • Transit purchases
  • U.S. purchases made from electronic goods retailers and software cloud system providers
  • Monthly wireless telephone service charges
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • Purchases with U.S. media providers for advertising in select media (online, TV, radio)

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.

How To Check Your Credit Score

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 TransUnionEquifaxExperian, or even through a service such as Credit Karma.

Do You Need a Business Credit Score To Apply for the Amex Business Gold Card?

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.

What Credit Score Do You Need for the Amex Business Gold Card?

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.

How Hard Is It To Get the Amex Business Gold Card?

Amex Business Gold Upgraded Points LLC
Image Credit: Upgraded Points

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.

Other Approval Considerations

Personal Income and Business Income

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.

Length of Credit

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.

Tips To Boost Your Credit Score

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

Get a Starter Credit Card

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.

Instead, you should consider getting a starter credit card. Starter credit cards are often either secured credit cards, student credit cards, or credit cards with a relatively small credit limit.

These cards allow you to start building your credit history and show credit card issuers that you pay your balance on time each month.

Get Added as an Authorized User

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.

Get Errors Removed

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!

Final Thoughts

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.

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

Frequently Asked Questions

What credit score do you need for the Amex Business Gold card?

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.

How hard is it to get the Amex Business Gold card?

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.

What is the credit limit on the Amex Business Gold card?

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.

Is the Amex Business Gold card a good business card?

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.

Does the Amex Business Gold card have airport lounge access?

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.

Can I upgrade the Amex Business Gold card to the Amex Business Platinum card?

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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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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