| - 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
American Express® Business Gold Card - Learn More |
American Express® Business Gold Card Overview
The American Express® Business Gold Card is a premium business card designed to maximize rewards on high business expenses in select categories. With a $375 annual fee, it offers customizable 4X rewards on top business spending categories, a generous welcome bonus, and valuable statement credits for select business expenses. This card is ideal for businesses with high spending in dynamic categories that can take full advantage of its rewards structure.
Pros of the American Express® Business Gold Card
Generous Welcome Bonus
New cardholders can earn 100,000 Membership Rewards® Points after spending $15,000 on eligible purchases in the first 3 months. This bonus can be redeemed for travel, business expenses, or statement credits, providing substantial value.
Customizable 4X Rewards on Business Spending
This card automatically adjusts to earn 4X Membership Rewards® points on the top two eligible spending categories each month. The eligible categories include:
- U.S. gas stations
- U.S. restaurants
- U.S. purchases for advertising (online, TV, and radio)
- U.S. shipping
- U.S. technology providers, including software and cloud services
- U.S. purchases at select transit and commuting services
Key benefit:
- Earn 4X points on up to $150,000 in combined purchases per calendar year (then 1X points afterward).
- Since the top 2 categories automatically adjust each month, businesses can maximize rewards without manual selection.
Bonus Points on Travel
- 3X Membership Rewards® points on flights and prepaid hotels booked via AmexTravel.com.
- 1X point per dollar on all other eligible purchases.
Valuable Monthly Statement Credits
- Up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (up to $240 annually). Enrollment required.
- Up to $12.95 monthly statement credit for Walmart+ membership fees (covers the full membership cost when paid with the card).
Premium Metal Card Design
Cardholders can choose from three metal card designs:
- Gold
- Rose Gold
- White Gold
This adds a premium feel to an already high-value business card.
Cons of the American Express® Business Gold Card
High Annual Fee
At $375 per year, the fee is higher than many mid-tier business cards. However, for businesses that maximize the rewards structure and statement credits, the value can easily outweigh the cost.
Limited Travel Perks
Unlike some premium business cards, the Amex Business Gold Card does not offer:
- Airport lounge access
- Global Entry/TSA PreCheck fee reimbursement
- Comprehensive travel insurance benefits
Frequent travelers may want to pair this card with another travel-focused business card for enhanced travel perks.
Reward Cap on 4X Categories
- The 4X points bonus applies only to the first $150,000 in combined purchases per calendar year.
- After that, all purchases earn 1X points per dollar.
- While the cap is high, large businesses with high spending may exceed this limit.
Why We Like This Card
- Generous Welcome Bonus – 100,000 Membership Rewards® Points after qualifying purchases.
- Customizable 4X Points – Earn 4X points on the top two spending categories each month, up to $150,000 per year.
- Bonus Travel Rewards – 3X points on flights and prepaid hotels booked through AmexTravel.com.
- Valuable Monthly Credits – Up to $240 per year in FedEx, Grubhub, and office supply store credits.
- Walmart+ Membership Credit – Get up to $12.95 per month reimbursed for a Walmart+ membership.
- Premium Metal Design Options – Available in Gold, Rose Gold, or White Gold.
The American Express® Business Gold Card is a top-tier choice for business owners with high spending across multiple categories. Its adaptive rewards structure, strong travel earnings, and useful business credits make it well worth considering for those who can maximize its benefits. |
