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Pros & Cons
Pros
- +Welcome Bonus: 200,000 points
- +Purchase protection included
- +No foreign transaction fees
Cons
- –High annual fee ($375/yr)
- –No lounge access
Our Review
Unlock Customized Rewards with the American Express Business Gold Card
- 100,000 Membership Rewards® points after $15,000 in purchases within the first 3 months
- 4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
- 1X point on all other purchases
- $20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
- $12.95 monthly credit for Walmart+ membership (enrollment required)
- $375 annual fee
Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.
Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.
Rewards
All Spending
1x
American Express Membership Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
30,000
American Express Membership Rewards/yr
Estimated Value
$300
After Fees
$-75
1st Year Value
$1,925
incl. welcome bonus
Breakdown
Perks & Benefits
Travel Credits
Included
Additional Benefits
Travel Insurance
Lost Baggage
Up to $1,250
Flight Delay
Up to $300
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 years
Mobile Device
Up to $800
Auto Rental Collision (secondary)
Up to $50,000 / 30 days
Fees and interest rates
- Annual Fee$375
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- 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 29.24% 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
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.