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American Express® Business Gold Card

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Learn How to Apply

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 your top two spending categories each month (on up to $150,000 in combined purchases per calendar year, then 1X), so your rewards adjust naturally with your business. 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

  • 4X on your top two eligible categories: Earn 4X Membership Rewards® points on the first $150,000 in combined purchases each calendar year in your top two eligible categories (then 1X; only the top two categories each billing cycle count toward the cap).
  • $240 Flexible Business Credit: Earn up to $20 in monthly statement credits after eligible U.S. purchases at merchants like 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.
Enrollment required for select benefits. Eligible categories, merchants, and benefit terms are subject to change; see American Express for full details.

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.