Why the Walmart+ Membership Perk Is the Amex Business Gold Card’s Best-Kept Secret

Although American Express has several fantastic rewards cards on the market, few are as valuable as the American Express^® Business Gold Card.

It offers a solid earning structure with several perks and benefits. However, a relatively lesser-known perk — the complimentary Walmart+ membership — might just be the card’s best-kept secret.

Here’s a look at the benefits of the Amex Business Gold card and how valuable a Walmart+ membership can be.

Amex Business Gold Card Overview

The Amex Business Gold card is a fantastic travel rewards card for business owners who spend a lot. The card’s current public offer is:

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

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 ins and outs 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).

Apply Now(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 Offer Valuation*:

Up to $2,200

Annual Fee

$375

APR

18.49% - 27.49% 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

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
• Purchase protection and extended warranty protection
• Trip delay insurance
• Car rental insurance
• Cell phone insurance

Cons

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

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 18.49% to 27.49% 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 comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

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• Benefits of the Amex Business Gold
• Amex Business Rose Gold Card
• Amex Business Gold Walmart+ Credit
• Amex Business Gold vs. Amex Plum
• Amex Business Gold vs. Amex Gold

In addition to the solid welcome offer, the Amex Business Gold card has an incredible earning structure. It earns 4 points per $1 in the 2 categories (from a list of 6) where your business spends the most money each month. The card also earns 3x points on flights and prepaid hotels booked on AmexTravel.com.

The rewards earned are in the form of highly valuable American Express Membership Rewards points. We value Amex points at 2.2 cents each, the highest valuation for any transferable points currency. 

The Amex Business Gold card has a hefty $375 annual fee (rates & fees). However, it comes with lots of benefits, including several annual statement credits, which help reduce the card’s effective annual fee.

This includes up to $240 (enrollment required) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (up to $20 monthly), as well as up to $155 back annually for a monthly Walmart+ membership.

Let’s take a closer look at how to maximize the benefits of a Walmart+ membership.

Why a Walmart+ Membership Is So Valuable

With the shift to online shopping over the years, Walmart, the world’s largest retailer, introduced its subscription service, Walmart+, to consumers. It allows those who frequently shop at Walmart to take advantage of numerous perks and benefits with the service.

Walmart+ typically costs $12.95 per month (or $98 yearly). The Amex Business Gold card provides cardholders with a statement credit for 1 monthly Walmart+ membership fee (up to $12.95 plus applicable taxes) charged to the card account each month.

Here’s a look at some of the best perks of a Walmart+ membership.

1. Free Shipping at Walmart

I think Walmart+’s most valuable benefit is free shipping on items with no minimum purchase requirement. However, this excludes items not shipped by Walmart, such as those from Marketplace.

I am an impulse shopper at times, and I find the free shipping perk to be extremely convenient. It allows me to order items without worrying about picking them up.

2. Free Delivery From Your Local Store

Another excellent perk of Walmart+ is that members receive free grocery delivery with a $35 order minimum.

Although there is a Walmart less than 10 minutes from my home, I only go to the store once a month. Instead, I make grocery orders multiple times per month and enjoy the convenience of those orders being delivered directly to my door.

Members also get prescription orders as soon as the same day. Best of all, there is no order minimum for free prescription delivery.

3. Member Savings on Gas — Including Sam’s Club

Walmart+ members also get significant savings at gas stations across the country. Members can save 10 cents per gallon on fuel across Walmart, Murphy, Exxon, Mobil, and Sam’s Club gas stations.

In addition to the Walmart near my home, there is a Sam’s Club within 5 minutes of my house. This is a major perk for me, as Sam’s Club gas stations typically have the best gas prices.

4. Complimentary Paramount+ Subscription

Walmart+ also provides members with a complimentary Paramount+ Essential plan subscription. This gives members access to 40,000 TV episodes, movies, and even live sports.

This subscription usually costs $7.99 per month or $59.99 per year. Since I now have complimentary Paramount+, I have canceled my subscriptions to other services like Netflix and Hulu.

5. Complimentary Pawp Membership

Walmart+ members also receive a complimentary Pawp membership. With Pawp, you can get 24/7 access to veterinary experts from your phone.

Although I only recently learned about this perk, it has greatly benefited me. When one of my pets was sick, I contemplated heading to the veterinary hospital for emergency services. Before doing so, I contacted an expert who provided me with incredibly useful information that saved me hundreds of dollars and a trip to the hospital.

Final Thoughts

The Amex Business Gold card is a fantastic rewards card with a solid earning structure and numerous perks and benefits. The complimentary Walmart+ membership is one of the Amex Business Gold card’s best features and has saved me hundreds of dollars over the years.