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Amex Business Gold Card – How To Use the $155 Walmart+ Credit [2023]

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Victoria M. Walker

Victoria M. Walker

Senior Content Contributor

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Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Travel With Vikkie” newsl...
Edited by: Keri Stooksbury

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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Jessica Merritt

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It seems like online shopping is now the norm, with many people buying their groceries, shopping for home goods, and purchasing pet food online.

According to figures from the data gathering firm Statista, more than 263 million American consumers shop online, which is roughly 80% of the U.S. population. That figure is expected to balloon to nearly 290 million by 2027.¹

It’s undisputed that global titan Amazon has a stronghold on the e-commerce market. However, the monopoly Amazon once had on the industry may not be as strong as it once was due to the expansion of online shopping platforms worldwide.

Walmart, the world’s largest retailer, has Walmart+, a shopping membership subscription like Amazon Prime. This perk is complimentary for those who have The Platinum Card® from American Express, but a recent refresh of the American Express® Business Gold Card gives holders of this business card Walmart+ access as well.

In this guide, we’ll show you how to sign up for the Walmart+ membership that’s included in your Amex Business Gold card’s benefits, break down membership benefits, and examine how it stacks up against merchants such as Amazon Prime.

There’s a lot to tackle, so without further adieu, let’s dive right in!

Overview of the American Express Business Gold Card

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
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.


  • 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 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


  • $295 ($375 if application is received on or after 2/1/24) 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.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
  • *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.)

Key Benefits of the Amex Business Gold Card

A complimentary Walmart+ membership is a benefit you’ll receive when holding the Amex Business Gold card. Still, the card offers a myriad of other benefits that make it a worthwhile addition to your roster, especially if you’re a business owner.

The Amex Business Gold card now offers statement credits on select purchases. You will receive up to $395 in statement credits a year. That breaks down to:

  • Up to $155 back annually for a monthly Walmart+ membership
  • Up to $240 back annually ($20 a month) for eligible purchases at FedEx, Grubhub, and office supply stores

The card recently underwent a massive refresh with how you earn Membership Rewards points using the card. The refresh puts it on par with Amex’s other consumer and business cards in becoming a hybrid travel and dining card, with some similar benefits as the Amex Platinum card with a price point more akin to the American Express® Gold Card.

You’ll still earn 4x Membership Rewards points per $1 spent on your top 2 spending categories. Amex has expanded the categories to include transit (taxis, rideshares, and subways), goods purchased from electronic goods retailers, and wireless telephone service charges. These new categories join the existing 4x categories, including U.S. purchases at gas stations, U.S. purchases at restaurants (including takeout and delivery), and U.S. media providers for advertising in select media.

Additionally, you’ll now earn 3x Membership Rewards points on flights, prepaid hotels, and prepaid packages booked through Amex Travel or

A new benefit added to the card is cell phone protection against theft and damage, including cosmetic damage such as a cracked phone screen.

The card’s annual fee will increase to $375 beginning February 1, 2024.

Bottom Line:

The Amex Business Gold card recently got a considerable refresh that puts it solidly in the mid-tier category. Aside from the Walmart+ statement credit, Amex Business Gold card members have more ways to earn 4x Membership Rewards points on purchases.

What Is Walmart+?

Image Credit: Walmart

If you shop online, you may have seen an ad for Walmart+. It’s an expedited shopping service, similar to Amazon Prime, and typically costs $12.95 per month (or $98 yearly).

Walmart+ members receive the following benefits and services:

  • Free shipping on items with no minimum purchase requirement (excluding items not shipped by Walmart)
  • Free grocery delivery with a $35 order minimum
  • Rx for less: get select prescriptions for as little as $0 and save up to 85% on thousands more at Walmart pharmacies
  • Save 10¢ per gallon on fuel at Walmart, Murphy, Exxon, and Mobil stations
  • “Scan & go” contact-free checkout
  • Earn up to 5% Walmart Cash with Walmart+ Travel powered by Expedia
  • Free subscription to Paramount+, valued at $5.99 a month or $59.99 a year (Paramount+ Essential plan only, separate registration required)
  • Video streaming with Pluto TV: Watch select ad-free streaming content that changes each month
  • Early access to special promotions and events, including online Black Friday deals, product releases, and more
  • Limited-time offers, such as 1 free month of ClassPass and $20 off pet care with Thumbtack

How To Get the Walmart+ Statement Credit

Activating your Walmart+ membership as an Amex Business Gold card member is relatively simple. All you need to do is follow these steps:

Step 1: Visit Amex’s dedicated landing page for Walmart+.

Step 2: Click Get Started.

Image Credit: Walmart

Step 3: Next, sign in to your Walmart account or create one if you don’t already have an account.

Step 4: Now, you’ll enter the payment details of your Amex Business Gold card, and you should be good to go!

Now that you’re registered, you can begin using Walmart+ as much as you’d like!

Where Can I Use My Walmart+ Membership?

If you shop at Walmart regularly, these benefits will likely be pretty valuable for you. In fact, the retailer claims that Walmart+ members save more than $800 yearly, on average, thanks to the platform.

However, the value you’ll gain from the membership — free or not — will depend on how close you live to a Walmart, especially if you plan to use the grocery delivery service. If you live in an area without a Walmart, you won’t be able to benefit from the grocery delivery or the discounts on prescriptions and gas. Still, you can receive free 2-day delivery with no minimum for online shopping done through the website.

How Does Walmart+ Stack Up Against Amazon Prime?

Are you loyal to Amazon Prime? Curious about how the 2 programs stack up? Take a look at what each service offers in our comparison chart below:

BenefitsWalmart+Amazon Prime
Item DeliveryFree item delivery with no order minimum (same day and 2-day)Free item delivery with no order minimum (same day and 2-day)
Grocery DeliveryOn-demand grocery deliveryOn-demand grocery delivery, 1-year Grubhub+ membership trial
Gas10¢ off per gallon on fuel at participating stationsN/A
PrescriptionsSelect prescription savingsFree 2-day shipping on prescriptions from Amazon Pharmacy, exclusive savings when paying without insurance, $5 monthly fee when using Amazon Pharmacy’s new RxPass
Shopping BenefitsScan-and-go contact-free checkout, early access to special promotions and eventsPrime Member Deals at Whole Foods Market, Prime Day savings, Prime Exclusive Deals, Prime Try Before You Buy
Streaming and Digital BenefitsFree subscription to Paramount+ Essential plan, video streaming with Pluto TVPrime Video, Prime Music, Prime Gaming, Amazon Photos
Other BenefitsUp to 5% Walmart Cash with Walmart+ Travel powered by ExpediaPrime Reading, free upgraded shipping at Zappos
Price$12.95 per month
$98 per year
$14.99 per month
$139 per year

Final Thoughts

Even if you’re a die-hard Amazon Prime loyalist, it’s worth signing up for a Walmart+ membership, especially if you have the Amex Business Gold card, which now includes a monthly benefit for the service. With free grocery and item delivery, discounts on fuel, and even a free Paramount+ membership, taking advantage of the perk should be a no-brainer.

We hope this guide has been beneficial in navigating the Amex Business Gold card’s new Walmart+ membership!

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

Frequently Asked Questions

What is Walmart+?

Walmart+ is Walmart’s subscription service that provides free 2-day delivery for items purchased through the Walmart website, plus perks such as free shipping with no minimum order, savings on gas, streaming memberships, and more.

How does the Walmart+ statement credit work?

You will receive a statement credit that offsets the monthly cost of a Walmart+ subscription when you sign up for the program using your Amex Business Gold card. You can activate it through the benefits tab on your Amex account or directly through the designated Walmart landing page.

Does the Amex Business Gold Card come with a Walmart+ statement credit?

Yes, the Amex Business Gold card offers up to $155 back annually for a monthly Walmart+ membership.

Is a Walmart+ membership worth it?

Yes, a Walmart+ membership is worth it, even if you use services such as Amazon Prime. With a Walmart+ membership, you’ll get free 2-day delivery for items purchased through with no minimum spending requirement.

How much is a Walmart+ membership?

A Walmart+ membership is $12.95 a month, or $98 a year. However, you can eliminate that charge with the Amex Business Gold card, which comes with a monthly statement credit for Walmart+.

About Victoria M. Walker

Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Travel With Vikkie” newsletter.


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