The American Express® Business Gold Card offers solutions to meet business needs.
You’ll have the opportunity to 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.*
Update 2/10/25: You can earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories.
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Terms Apply. Enrollment is required for select benefits.
Amex Business Gold Card Summary
| Bonus Available | 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 27.49% variable APR.* (see Rates & Fees) Terms apply. |
| Ongoing Benefits/Rewards |
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.* 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.* |
| Foreign Transaction Fees? | None (see Rates & Fees) |
| Annual Fee | $375 annual fee (see Rates & Fees) |
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
Amex Business Gold Card 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.*
Terms apply.
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.
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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.
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.
* You can also compare the American Express Business Gold Card with other credit card bonuses!
| PROMOTIONAL LINK | OFFER | REVIEW |
| U.S. Bank Silver Business Checking Package | $900 Cash | Review |
| U.S. Bank Gold Business Checking Package | $900 Cash | Review |
| U.S. Bank Platinum Business Checking Package | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Axos Bank Basic Business Checking | $400 Cash | Review |
| Axos Bank Business Interest Checking | $400 Cash | Review |
| Regions Bank Business Checking | $150 Cash | Review |
| NorthOne Business Checking | $20 Credit | Review |
| Novo Business Checking | $75 Cash | Review |
| BlueVine Business Checking | 2.00% APY | Review |
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
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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.
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