Edited by: Nick Ellis
& Keri Stooksbury
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If you run a business of your own, there’s a high likelihood that shipping, dining, and purchases made at office supply stores comprise a lot of your business spend.
There’s data that supports how much business owners are spending on shipping. The State of Logistics Report — issued by the Council of Supply Chain Management Professionals — found that business owners spent a whopping $2.3 trillion in shipping this year.¹ That number increased from $1.85 trillion just last year and represents over 9% of the national gross domestic product.
As such, business owners will want to ensure they receive the highest return possible on these expenses. If you’re in the market for a new card that suits your business needs, the American Express® Business Gold Card is one you should certainly pay close attention to.
Amex recently refreshed the Amex Business Gold card, making it a top option for business owners thanks to its statement credits on shipping, food delivery services, and more. Add handsome earnings on several purchase categories, and it becomes a formidable option for cardholders who spend a lot on business purchases and who are looking to be rewarded with travel benefits.
Today, we’ll look at the refreshed Amex Business Gold card and how to maximize its earning structure and benefits to get the most in return for your business expenses.
There’s a lot to unpack here, so let’s get started!
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.)
The Amex Business Gold card offers a myriad of new benefits that make it a worthwhile addition to your roster, especially if you’re a business owner.
Cardholders can can enroll to receive statement credits on select purchases. You will receive up to $395 in statement credits per year. Here’s a breakdown of how you’ll earn these credits:
In addition to new statement credits, the card’s earning structure got an overhaul. Cardholders will earn 4x Membership Rewards points per $1 spent in their top 2 spending categories (up to the first $150,000 in combined purchases from these 2 categories each calendar year) from the following categories:
These aren’t all of the changes Amex has made to this card. Cardholders will now earn 3x Membership Rewards points per $1 spent on flights, prepaid hotels, and prepaid packages booked through AmexTravel.com or Amex Travel. Another new benefit added to the card is cell phone protection against theft and damage, including cosmetic damage (such as a cracked phone screen).
Some benefits remain unchanged:
The card’s annual fee will increase to $375 beginning February 1, 2024.
You’ll get a total of $395 in yearly statement credits. You’ll receive $155 annually in Walmart+ statement credits, but the bulk of these statement credits (up to $240 annually distributed as up to $20 per month) will come for purchases made with FedEx, Grubhub, and office supply stores.
It’s important to note that you won’t receive a $20 statement credit for each type of purchase but rather for each month. So if you’ve received a $20 statement credit for FedEx for the month of February, for instance, you won’t receive a separate $20 statement credit for Grubhub for that month.
We’ll review each type of purchase in this category briefly below.
Shipping with FedEx is something many business owners do multiple times on a monthly basis, and now, you’re eligible to receive a statement credit when you do so.
Grubhub is one of the most well-known food delivery services, and it’s become a huge part of our lives, whether you’re using it for business or personal purposes.
This is another vendor in this category where you could receive up to a $20 statement credit per month on your purchases. As Grubhub deliveries can easily cost $20 or more (and you’ll get free delivery on orders greater than $12 with a Grubhub+ membership), this should be one of the easiest types of purchases in this category to take advantage of.
If you need to purchase items like paper, computers, or office furniture, you could also tap into the statement credit of up to $20 for purchases at office supply stores such as Office Depot or Staples.
American Express substantially refreshed how the Amex Business Gold card earns Membership Rewards points, and now the card offers more opportunities to earn statement credits. If you’re a business owner looking to maximize your purchases, this is a card you’ll want to consider adding to your wallet.
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 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 trip delay insurance benefit of the American Express® Business Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. 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 the baggage insurance plan benefit of the American Express® Business Gold Card, baggage insurance plan 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 car rental loss and damage insurance benefit of the American Express® Business Gold Card, car rental loss and damage insurance 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 cell phone protection benefit of the American Express® Business Gold Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. 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.
Yes. The Amex Business Gold now offers 4x Membership Rewards points per $1 spent on your top 2 spending categories, which can include transit, goods purchased from electronic goods retailers, wireless telephone service charges, and more.
The following purchases are eligible for up to $240 back annually ($20 a month): FedEx, Grubhub, and office supply stores.
The Amex Business Gold card has an annual fee of $295 ($375 if application is received on or after 2/1/24).
Yes, the Amex Business Gold Card comes with a monthly statement credit (up to $20) for various purchases, including Grubhub.
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