15 Benefits of the Amex Business Gold Credit Card [$7,500+ Value]
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Terms Apply / Rates & Fees
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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
Up to $2,200
$375
17.74% - 28.49% Variable
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 card application.
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
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.*
- 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: 17.74% - 28.49% Variable
- Foreign Transaction Fees: None
Rewards Center
Earning Valuable Membership Rewards Points
Membership Rewards points earned on the American Express® Business Gold Card are some of the most flexible and valuable points you can earn — and there are plenty of ways to earn them.
Earning rewards may not be the only reason you decided to acquire a business credit card, but it’s always near the top of the list of card benefits.
That’s because rewards can help offset bottom-line costs like travel expenses, or even fund an annual vacation you’d otherwise pay cash for.
1. A Generous Welcome Offer — [$1,540]
You can earn the bonus by meeting minimum spending requirements within the first 3 months after card approval. With the current offer valued at up to $2,200, this is an imperative benefit to consider when evaluating the card.
2. Accelerated Earnings in 2 Business Spending Categories — [$4,400]
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)
If your business spends $50,000 in 4x bonus categories in a year, you’ll earn 200,000 Membership Rewards points worth approximately $4,400.
3. Elevated Earnings on Amex Travel Purchases — [$660]
You’ll earn 3x points on flights and prepaid hotels booked on amextravel.com using the card. If you were to spend $10,000 on qualifying flights and prepaid hotels, you would earn 30,000 Membership Rewards points on your purchases.
4. Unlimited Earnings on Every Purchase — [$440]
All purchases earn at least 1 Membership Reward point per $1 spent, including bonus category spending that exceeds the annual $150,000 limit. There is no limit on how many points you can earn. If your business spent just $10,000 in non-bonus category spending or in 4x bonus purchases above $150,000 in a calendar year, you would earn 20,000 Membership Rewards points.
Receive Big Value on Membership Rewards Redemptions
5. Transfer to Airline and Hotel Partners
One of the best features of Membership Rewards points is that you can transfer your points to airline and hotel partners. You can use these transfer partners to redeem for luxurious travel experiences like ANA first class to Tokyo or a long weekend in Hawaii.
Below you’ll find all of the Membership Rewards airline and hotel transfer partners:
Amex Airline Partners
SCROLL FOR MORE
|
Amex Airline Partner |
Minimum Transfer |
Transfer Ratio |
Transfer Time |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1.6 |
2-12 days | |
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
3 days | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 | 5:4 |
Up to 1 Week | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
5:4 |
Almost Instant | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
1-3 days | |
|
250 |
1:0.8 |
Almost Instant | |
|
500 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
Almost Instant | |
|
1,000 |
1:1 |
1-2 days | |
|
1,000 |
1:1 |
1-2 days |
Amex Hotel Partners
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Amex Hotel Partner | Minimum Transfer | Transfer Ratio(Amex > Partner) | Transfer Time |
1,000 | 1:1 | Almost Instant | |
1,000 | 1:2 | Almost Instant | |
1,000 | 1:1 | Almost Instant |
While you can transfer your Membership Rewards points to hotel partners, it’s not the best value for your points. Having the option is a positive, though — especially if you need to top off your hotel rewards account for a specific redemption.
Travel Protections and Benefits [$375]
6. Car Rental Loss and Damage Insurance
Secondary coverage on eligible rental vehicles with the option to purchase Premium Protection for 1 low fee that covers the entire rental period. Prices range from $12.95 to $24.95 depending on the location and level of coverage selected. For example, on a 10-day rental, you could save ~$200 by not having to select the agency’s LDW coverage (at $20 per day).
7. Global Assist Hotline
Receive general travel, legal, medical, and financial assistance if things go wrong while you’re traveling.
8. Baggage Insurance Plan
You’re covered for lost, stolen, or damaged luggage up to $1,250 per covered person.
9. The Hotel Collection
Book a prepaid hotel stay of 2 nights or more through qualifying American Express Travel providers, pay with your Amex Business Gold card and receive room upgrades and credit at checkout for select charges.
- Receive an upgraded room and other amenities based on availability
- $100 hotel credit on all stays for use on dining, spa, or other on-site resort purchases
- Bookings made on AmexTravel.com receive 3 Membership Rewards points per $1 spent, or the stay can be paid for with the Pay with Points option
Shopping Benefits and Protections [$400]
10. Extended Warranty
On qualifying items purchased with your card, the manufacturer’s warranty of fewer than 5 years is extended by 1 year.
11. Purchase Protection
Receive coverage for eligible items purchased with the Amex Business Gold card for accidental damage or theft, up to 90 days from the date of purchase; coverage is up to $1,000 per item and $50,000 per year.
12. Amex Offers
Too big of a deal to miss out on, Amex Offers can literally save you thousands a year. You’ll find these offers listed on your account home page; just scroll down the page and select the offers that interest you.
Add the offer to your card and follow the purchasing terms and conditions to receive statement credits or additional Membership Rewards points.
13. Business Expense Management Tools
If time is money, having the right business management tools can deliver economic value.
- Connect to Quickbooks —Transfer data from your Amex account to your Quickbooks account.
- Employee Cards — Earn rewards faster and manage every expense with extra cards for your employees – the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees).
- American Express Business App — Add receipts and notes to your transaction via desktop or mobile device.
- Online and Year-end Statements —View your spending history and access reports to help at tax time.
- Mobile Account Management —Access your account from anywhere.
- Account Alerts — Set up account alerts for unusual spending, payment reminders, or to monitor employee spending.
14. Additional Travel and Entertainment Perks
Your business could realize additional savings if it makes foreign purchases, as the card doesn’t charge foreign transaction fees.
- No Foreign Transaction Fees — Use your card anywhere in the world with no transaction fees added (rates & fees).
- Event and Entertainment Access — Ticket presale privileges, VIP event access, and preferred seating.
15. Cash Flow and Finance Benefits
- Pay Over Time — When you elect to use this benefit, you get to decide whether you want to pay eligible purchases in full each month or pay over time with interest.
- No Preset Spending Limit* — Your spending power adjusts as you use your card.
- Vendor Payment — Have American Express pay your vendors even if they don’t take credit cards, then repay American Express within 30, 60, or 90 days.
Terms Apply / Rates & FeesU.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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
Up to $2,200
$375
17.74% - 28.49% Variable
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 card application.
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
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.*
- 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: 17.74% - 28.49% Variable
- Foreign Transaction Fees: None
Rewards Center
Final Thoughts
The Amex Business Gold card is one of the most feature-packed business cards on the market, but you should still review its benefits and earning potential carefully to see if it makes sense for your business.
You’ll find benefits with elevated earnings of 4x on select bonus categories, Amex Offers, business management tools, and some ancillary travel benefits.
If you’ll spend more than $7,500 a year in 4x categories, take advantage of a few Amex Offers, and use the points you earn for high-end travel experiences, you’ll find plenty of value in the card.
Obviously, our value estimates are based on theoretical business spending scenarios. The value you actually receive will depend on how you utilize the card.