What is the Amex Business Gold card's welcome offer?

New, eligible applicants of the Amex Business Gold card can apply for the following welcome bonus offer:

Can I get Amex Business Gold card welcome bonus offer if I already have the Amex Business Platinum card?

Yes! You’ll want to submit a new application rather than upgrade your Amex Business Gold card to the Amex Business Platinum card in order to be eligible for the welcome bonus offer.

Is it hard to get an Amex Business Gold card?

You don’t necessarily need a business credit score to qualify for the Amex Business Gold card. Check out our extensive guide on the credit score and income requirements for your best shot at approval.

How much is 100,000 points worth on Amex Business Gold card?

By transferring your points to Amex’s airline and hotel partners, you could achieve greater value from your rewards than other redemptions. As such, we value 100,000 Amex Membership Rewards points at $2,200 for travel.

Amex Business Gold Card’s Welcome Bonus Offer History: 2019 to Today

Updated: October 13, 2024, 8:30am CDT

Edited by:

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When To Apply for the Amex Business Gold Card
Amex Business Gold Card Benefits
Final Thoughts

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The American Express^® Business Gold Card offers a mix of powerful rewards and useful statement credits. Amex Membership Rewards points are among the most valuable points to earn, especially for business owners looking to book travel.

With its enormous welcome bonus offer, you may wonder whether you’re getting the best deal and if it’s the right time to apply. In this guide, we’ll go all the way back to 2019 to review the publicly available welcome offers of the Amex Business Gold card so you can compare to today’s offer.

When To Apply for the Amex Business Gold Card

Welcome offers can change frequently, so here’s a look at the current one on the Amex Business Gold card:

ELEVATED OFFER: Earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months.

It’s always worth comparing the welcome bonus offer to the annual fee. In the case of the Amex Business Gold card, there’s a $375 annual fee (rates & fees), which is certainly not a small sum of money to pay year after year.

Thanks to Amex’s transfer partners and the endless opportunities to maximize points for flights and hotels, our points and miles valuations deem Membership Rewards points to be worth 2.2 cents apiece. As a result, we value this current welcome offer at a significant $2,200.

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

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).

Welcome OfferEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 points

UP's Bonus Valuation*:
$2,200

Annual Fee

$375

APR

18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

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 & Cons

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:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- 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

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month 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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Financial Snapshot

APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Even better, the welcome offers have increased steadily over the years, as evidenced below:

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Offer Date	Welcome Offer Details	Our Valuation
Current Offer	ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.	$3,300
April 2021 to July 2024	Earn 70,000 bonus points after spending $10,000 in the first 3 months of account opening.	$1,540
February 2021 to April 2021	Earn 70,000 bonus points and up to $300 in statement credits with eligible U.S. shipping and advertising purchases after spending $10,000 in the first 3 months of account opening.	$1,840
November 2019 to February 2021	Earn 35,000 bonus points after spending $5,000 in the first 3 months of account opening.	$770

Bottom Line:

The welcome offer has increased since 2019, but the minimum spending requirements to earn the bonus points are also higher.

Targeted Welcome Bonus Offers on the Amex Business Gold Card

Did you know there are ways to find even higher welcome offers? American Express is known for offering targeted welcome bonus offers on certain cards. You could receive these targeted opportunities based on your current card membership with the issuer and income, among other factors.

In fact, our team has spotted welcome offers as high as 200,000 bonus points — and with the same amount of spend. Given that the welcome bonus offer is your best shot at scoring huge rewards, you should check to see if you’re eligible.

Here are a few articles for reference:

Targeted offers are discussed in the articles above. Please note that these offers are not available to all applicants. Any information related to targeted offers has been collected independently and has not been reviewed or provided by the card issuer.

Hot Tip:

American Express offers several business cards, but the most premium cards are the Amex Business Gold card and The Business Platinum Card^® from American Express. Read our detailed comparison of the Amex Business Gold card vs. the Amex Business Platinum card to find out which one is the best fit for business owners.

Amex Business Gold Card Benefits

Amex Business Gold Amex Business Platinum Beach Upgraded Points LLC — You could earn targeted welcome offers on Amex cards. Image Credit: Upgraded Points

The ideal candidate for the Amex Business Gold card is one who can maximize its unique rewards rate. With the card, you can earn 4x Membership Rewards points on the first $150,000 in combined purchases from the top 2 categories spent per month.

There are 6 eligible categories in total:

Transit purchases, including trains, taxicabs, ride-share services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software and cloud system providers
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, TV, radio)

It’s great to see that this business card works for those with large recurring expenses. With the flexibility to change these top 2 categories every month, cardholders can maximize earnings on a whopping 4x bonus points on purchases. Otherwise, the card earns 3x points on flights and prepaid hotels booked via AmexTravel.com and 1x points on all other eligible purchases.

Here’s an overview of the most compelling benefits of the Amex Business Gold card:

0% Intro APR for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR. Terms apply. (rates & fees)
Up to $240 back annually — in the form of $20 monthly statement credits — for eligible purchases at FedEx, Grubhub, and office supply stores (enrollment required)
Up to $155 back annually for a monthly Walmart+ membership (enrollment required)
Travel and everyday coverage benefits

Final Thoughts

If you come by a targeted welcome offer for the Amex Business Gold card, consider the ongoing annual fee and benefits. This business card can accelerate rewards for the right person, and the ability to transfer points to roughly 2 dozen airline and hotel partners makes the points earned incredibly worthwhile.

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.