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The American Express Business Gold Card offers solutions to meet business needs. For instance get more rewards with 4X points on two select categories where you spend the most each month, plus earn 1X on other purchases!
Once approved, you have the opportunity to earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
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Additionally, the annual fee for this card is $295 (see Rates & Fees).
On top of this great opportunity to earn rewards for where your business spends most, you can earn a 25% airline bonus (25% of those points back) when you book your flight with American Express Travel using Membership Rewards® Pay with Points!
* You can also compare the American Express Business Gold Card with other credit card bonuses!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axox Bank Basic Business Checking | $100 Cash | Review |
Table of Contents
Amex Business Gold Card Summary
| Bonus Available | Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply. |
| *Bonus Value | $1,400 |
| Travel Credit | No travel credit |
| Ongoing Benefits/Rewards |
4x points per $1 spent on top 2 categories your business spent the most on for the billing cycle on up to the first $150,000 each calendar year. These categories include:
1x points on all other purchases. Earn a 25% points back when you book your flight with American Express travel using Membership Rewards Pay with Points – up to 250,000 points back per year. |
| Foreign Transaction Fees? | None (see Rates & Fees) |
| Airport Lounge Access | Not available |
| Annual Fee | $295 (see Rates & Fees) |
* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer.
View the latest valuations here.
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
Amex Business Gold Card Welcome Bonus
Be sure to take advantage of the Business Gold Card’s 70,000 Membership Rewards® points.
Here are some ideas on meeting the spending requirements:
What Are Membership Points Worth?
The value of each point depends on how you redeem them; each Membership Rewards Point is valued to be at around $0.02, which is much better than the standard industry value of $0.01. In order to reach this value per point, you will need to take advantage of the program’s travel partners.
So, below is a list of options of how you can redeem your Membership Rewards points:
| Redeem for… | Value |
| Travel via Amex or Expedia | $0.005 – $0.01 / point |
| Transfer to travel partners | Varies by partner |
| Statement credits | $0.006 / point |
| Merchandise | Varies by retailer |
| Unique experiences | Varies by venue |
| Gift cards | Varies by retailer |
| Charity donations | $.007 / point |
When you book your flight with American Express Travel using Membership Rewards® Pay with Points, you get 25% of those points back. To clarify, you can get up to 250,000 points back per calendar year.
As a result, I highly recommend redeeming your points for travel. As an Amex Business Gold card member, you earn a 25% bonus when you redeem points for eligible travel purchases, including airfare, through the American Express Travel portal.
Therefore, your points earned with the Amex Business Gold card are worth up to 2 cents apiece when redeemed for airfare. This makes them much more valuable than the average rewards card value. Consequently, see below which travel partners you can transfer your points to in order to maximize the value of your Membership Rewards points.
Bottom Line
Although the annual fee is a little higher than average, the American Express Business Gold card attracts many business owners who appreciate having their bonus categories automatically adjusted to their company’s spending. Therefore, the benefits far outweigh the what seemed to be a high annual fee!
This card also offers extensive benefits such as exclusive access to Gold Card events, purchase protection, extended warranty, travel insurance and so much more. Additionally, with an established business, it’s nice to have a card in your portfolio that allows you to take control with your point earning categories.
You can continue your daily operations knowing that American Express is here to offer you the best. In addition, for more of the best business credit cards, check out our full listing. Similarly, if you are interested in other credit card bonuses, check out all our reviews and exclusive offers here on HustlerMoneyBlog.com.
If you’re looking for an account to store your money while earning a competitive interest rate, we recommend you check out the American Express High Yield Savings account.
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See Rates & Fees of the American Express Business Gold Card.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card issuers.
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