New Amex Business Gold Card Welcome Offer [100,000 Points!]

Updated: October 4, 2024, 12:29pm CDT

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Earn 100,000 Points With the Amex Business Gold Card
Amex Business Gold Card Earning Rates
Amex Business Gold Card Benefits
Final Thoughts

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If you’re short on Amex Membership Rewards points, the American Express^® Business Gold Card now has an improved welcome offer of 100,000 points!

Here are the details of this increased offer, along with everything you need to know about the Amex Business Gold card, to help you decide if it is a good fit for your business.

Earn 100,000 Points With the Amex Business Gold Card

New applicants can enjoy the following welcome offer:

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

At Upgraded Points, we value Amex Membership Rewards points at 2.2 cents per point, making 100,000 Amex Membership Rewards points worth $2,200 based on that valuation. You can often receive this value, or more, for your points by making strategic use of the Amex transfer partners.

Further, the old welcome offer for the Amex Business Gold card was 70,000 points, so this new 100,000-point offer gives you the opportunity to earn nearly 43% more points.

New cardholders will also receive a 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)

Hot Tip:

If you need some ideas or inspiration on how to redeem 100,000 Amex Membership Rewards points, read through our guide on the best ways to redeem Amex points for maximum value!

Amex Business Gold Card Earning Rates

The Amex Business Gold card is easily one of the best business credit cards one the market for racking up as many points as possible on your business expenses.

Amex Business Gold Amex Business Platinum on Beach Upgraded Points LLC 2 — You’ll rack up points quickly with your Amex Business Gold card. Image Credit: Upgraded Points LLC

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

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, TV, radio)

Plus, you’ll earn 3x points per dollar on flights and prepaid hotels booked through AmexTravel.com.

Business owners who have annual expenses that would meet the $150,000 spend threshold on the various 4x categories can earn a massive 600,000 Amex Membership Rewards points per year — worth $13,200, based on our valuations.

Amex Business Gold Card Benefits

Cardholders of the Amex Business Gold card receive a solid suite of benefits that offer even more value beyond the points you’ll earn each year.

These include credits of up to $20 monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores, as well as 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.

You’ll also receive benefits like access to Amex’s The Hotel Collection, cell phone insurance, trip delay insurance, car rental loss & damage insurance, baggage insurance, and more.

Final Thoughts

If you’re a business owner with significant annual expenses that fall within one or more of the Amex Business Gold card’s 4x bonus categories, then the card would be a worthwhile addition to your wallet.

Now, the card is even more compelling, thanks to its increased welcome offer of 100,000 points!

For the cell phone protection benefit of the American Express^® Business Gold Card, 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 trip delay insurance benefit of the American Express^® Business Gold Card, 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 car rental loss and damage insurance benefit of the American Express^® Business Gold Card, 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 baggage insurance plan benefit of the American Express^® Business Gold Card, 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 rates and fees of the American Express^® Business Gold Card, click here.