American Express® Business Gold Card
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As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Annual fee: annual_fees • See Rates & Fees
Terms apply to American Express benefits and offers. Enrollment is required for select benefits. Visit americanexpress.com.
The Rewards Mom may receive a commission from card issuers. Some or all of the card offers that appear on The Rewards Mom are from advertisers and may impact how and where card products appear on the site. The Rewards Mom does not include all card companies or all available card offers.
American Express Disclosure: The Rewards Mom may receive a commission from card issuers. For rates and fees of the American Express® Business Gold Card, please visit www.americanexpress.com.
My Take
You automatically earn 4X on the top two eligible categories where your business spends the most each month from 6 eligible categories, which makes this card especially helpful if your business expenses shift from month to month. I love this card for the flexibility it gives small business owners. If you’re not sure you even qualify for a business card, you might want to check this first. The Membership Rewards® points you earn are incredibly versatile—you can transfer them to airline partners for flights, or use them for hotel stays with programs like Hilton and Marriott. I also like to watch for transfer bonuses because they make those redemptions stretch even further. You can read more about how I use Membership Rewards® points here.
Benefit Highlights
- As high as 200,000-point welcome offer: You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- No “family rules” restrictions: American Express business cards are not subject to the same “family rules” you may see on personal cards, meaning you may still be eligible for a welcome offer even if you’ve had other cards that earn Membership Rewards® points.
- 4X on your top two eligible categories: 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 count toward the $150,000 cap.
- 3X on flights and prepaid hotels through Amex Travel: Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App using your Business Gold Card.
- Up to $240 in annual flexible business credits: Earn up to $20 in statement credits each month after eligible U.S. purchases at FedEx, Grubhub, and office supply stores (enrollment required).
- Walmart+ Monthly Membership Credit: Get reimbursed for one monthly Walmart+ membership when you pay with the card (up to $12.95 + tax, Plus Ups not eligible).
- Three metal designs: Choose Gold, Rose Gold, or White Gold (while supplies last).
- Transferable points: Earn Membership Rewards® points that can be redeemed or transferred to airline and hotel partners for travel.
- No foreign transaction fees: Great for business owners who travel or buy from international vendors.
For rates and fees of the American Express® Business Gold Card, see Rates & Fees .
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers.
American Express Disclosure: The Rewards Mom may receive a commission from card issuers. Some or all of the card offers that appear on The Rewards Mom are from advertisers and may impact how and where card products appear on the site. The Rewards Mom does not include all card companies or all available card offers.