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[Expired] Amex Business Gold Card Annual Fee Increasing Soon [Feb. 1]

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Jarrod West
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Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

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...
Edited by: Juan Ruiz
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Juan Ruiz

Compliance Editor & Content Contributor

Countries Visited: 40U.S. States Visited: 27

Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...

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Hot Tip:

The information below has expired and is no longer available.

For those of you who have been on the fence about whether to add the American Express® Business Gold Card to your wallet, here is a reminder that the annual fee is set to increase on February 1.

By applying now, you can secure a lower annual fee for the first year of card membership.

Here is a look at why you should consider adding this card to your wallet now.

Why To Consider Adding the Amex Business Gold Card Now

Apart from enjoying a reduced annual fee for the first year, which will go up from $295 to $375 (rates & fees), you will also have access to certain card benefits that will be eliminated on January 31, 2024.

Namely, the perks being removed that you’ll still be able to use through the end of January include the ability to earn 4x points per $1 on airfare purchased directly with airlines and on U.S. shipping purchases. Not to mention the 25% points rebate perk towards select flights when using Pay With Points, which also goes away.

New Benefits Added

In case you missed it, the Amex Business Gold card received some new benefits as well, such as 3 new bonus categories:

  • 4x points on transit purchases (including trains, taxis, rideshare services, ferries, tolls, parking, buses, and subways)
  • 4x points on U.S. purchases made from electronic goods retailers, plus software and cloud system providers
  • 4x points on monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

These are in addition to the cards’ other 4x bonus categories, U.S. purchases at gas stations, U.S purchases at restaurants, and purchases at U.S. media providers for advertising in select media, but keep in mind your 4x rewards are limited to your top 2 spend categories each billing cycle on up to $150,000 in spend per year.

Plus, cardholders can now earn 3x points on flights, prepaid hotels, and prepaid flight + hotel packages booked through

Additionally, while the annual fee is increasing by $80, Amex has added 2 statement credits to help offset that cost: a flexible business credit of up to $240 ($20 per month) for eligible purchases at FedEx, Grubhub, and office supply stores (enrollment required) and a credit of up to $155 for a Walmart+ monthly subscription (enrollment required). This amounts to up to $395 in statement credits each calendar year.

Lastly, the Amex Business Gold card now offers cell phone insurance protection, which provides up to $800 in coverage toward damage or theft of your device, for up to 2 claims per year, so long as you pay your monthly cell phone bill with your card.

Final Thoughts

If the Amex Business Gold card seems like a good fit for you and your business, now is the perfect time to add the card to your wallet. Doing so allows you to pay a lower annual fee your first year, start taking advantage of the new card benefits, and gives you a couple of months to squeeze some value out of the benefits that are being removed on January 31, 2024.

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 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.

Jarrod West's image

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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