Major Refresh of the American Express Business Gold Card [New Benefits Now Live!]

American Express recently made some interesting changes to the American Express^® Business Gold Card, shaking up the bonus categories and adding new statement credits and perks.

Now, those changes are fully live for new and existing cardholders!

The card is now even available in Rose Gold, like its personal American Express^® Gold Card counterpart.

Here are the details on everything you need to know about the refreshed Amex Business Gold card and whether it’s worth the annual fee of $375 (rates & fees).

Amex Business Gold Card New Bonus Categories

Amex Business Gold card holders now earn 4x points on your top 2 spending categories each billing cycle, on up to $150,000 in spending each year:

• Transit purchases, including trains, taxis, rideshare services, ferries, tolls, parking, buses, and subways
• U.S. purchases made from electronic goods retailers, plus 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

The major change here is that you can no longer earn 4x points on U.S. shipping purchases.

In addition, cardholders will earn 3x points on flights, prepaid hotels, and prepaid flight + hotel packages booked through AmexTravel.com, and 1x points on all other eligible purchases.

ELEVATED OFFER

Terms 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).

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.*

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

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)

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

Amex Business Gold Card New Statement Credits and Benefits

Previously, the Amex Business Gold card did not offer any statement credits.

Now, you receive up to $240 back annually ($20 per month) for eligible purchases at FedEx, Grubhub, and office supply stores (enrollment required).

Plus, cardholders earn up to $155 back annually for a Walmart+ subscription. This amounts to up to $395 in statement credits each calendar year (enrollment required).

Further, the Amex Business Gold card has added cell phone insurance protection to double up with the 4x rewards you’ll earn on your cell phone bill. The insurance will cover up to 2 claims per year with up to $800 for each claim against theft and damage, including cosmetic damage.

Additional Amex Business Gold Card Changes

While new perks are being added, the 25% airline bonus when using Pay With Points has now been removed from the card. That said, you can still receive this benefit with The Business Platinum Card^® from American Express, where you’ll receive an even better 35% airline bonus.

In addition to the new Amex business gold bonus categories, up to $395 in statement credits, and new benefits, the annual fee for the card has now increased to $375. Given that, you’ll want to make sure these new perks and benefits are worth more to you than the additional $80 fee for the card.

Final Thoughts

The new and improved Amex Business Gold card is here, equipped with new bonus categories and new perks — albeit with a higher annual fee.

If you’ve been considering adding the Amex Business Gold card to your wallet, now is a great time to do so and start taking advantage of the new card benefits!

For the cell phone protection benefit of the Amex 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.