AMEX Business Gold Card Point Calculator

AMEX Business Gold Card Point Calculator

4x Points On The Two Select Categories With The Highest Spend
Applies To The First $150,000 In Combined Purchases
Computer Hard/Software and Cloud
Gas Station

Calculate total Membership Rewards Points based on your spend across the AMEX Business Gold Card and compare the results against hundreds of rewards cards.

This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

The Business Gold Card's bonus categories has the chance to change from month to month. This is because your bonus will be based on the two categories in which you spend the most money in per month. That means the Business Gold Card will adjust to give you the highest return per month which is great. If you're a business that can run heavy spend through the six bonus categories available on the card, you'll easily find yourself swimming in Membership Rewards Points.

Bonus Categories

The AMEX Business Gold Card features six possible bonus categories. Those categories are airfare, advertisement, gas stations, shipping, restaurant, and computer hardware, software, or cloud computing. Out of these six categories, you will receive 4 Membership Rewards Points per $1 spent in the two categories you spend the most in per month. This means the two categories you earn 4x points in may change monthly depending on your spend. Regardless of the categories you spend the most in, the 4x earning has a $150,000 per year combined cap. After you hit this cap you will earn 1 Membership Rewards Point per $1 spent on all purchases.


Airfare purchased with the AMEX Business Gold must be for a scheduled flight on a passenger carrier and purchased directly from the airline. This bonus category will not be triggered by vacation packages, charter or private flights, or airfare purchased through a third party (such as Orbitz or Expedia).

U.S. Gas Stations

Gas station purchased made on the AMEX Business Gold Card must be located in the U.S. and be a merchant that has a primary business of selling gasoline. That means that wholesale clubs and grocery stores that sell gas, such as Walmart or Meijer, will not be eligible for this bonus category.

U.S. Shipping

The U.S. shipping category is only for U.S. courier, postal, and freight shipping services. That includes, but is not limited to, businesses such as FedEx, UPS, and the United State Postal Service (USPS). This will not apply to shipping costs for online purchases (such as paying shipping at an online store like Ebay or Saks Fifth Avenue).

American Express tends to offer superb discounts and bonus points on shipping purchases (primarily FedEx). Earning 4 points per $1 spent on top of discounts and bonus points can be very useful for anyone that spends heavy in the U.S. shipping category.

Earning 15% back on FedEx on top of earning 2x or 3x Membership Rewards Points would generate a fantastic return!

U.S. Advertisements

The U.S. advertisement bonus category applies to U.S. purchases of online, television, and radio advertising made on the AMEX Business Gold Card. These purchases must also be directly through the media provider. This includes, but not limited to, advertisers such as Facebook, Google, NBC National Broadcasting, and CBS Radio.

U.S. Restaurants/Dining

The U.S. restaurants category applies to fast food, fine dining, and other establishments coded as restaurant that are located in the United States. Do note that this category will not trigger on U.S. owned restaurants in other countries (such as Hard Rock Cafe). Both the AMEX Gold and AMEX Green cards earn bonus Membership Rewards Points on restaurants worldwide.

U.S. Computer Hard/Software/Cloud

The computer hardware, software, or cloud computing software category applies to a specific list of U.S. companies. Any spending outside of the companies listed below will not qualify for this category. AMEX considers the following companies for this bonus category:

  • Apple
  • CDW
  • Dell
  • HP
  • IBM
  • Intuit
  • Lenovo
  • Microsoft
  • Newegg
  • Oracle
  • Rackspace
  • Sage Software
  • Symantec
  • Tiger Direct

1x Non-Category

Business Gold Cardholders will earn 1 Membership Reward Point per $1 spent on the remaining four categories that do not meet the qualifications for the 4x bonus and on any spend that doesn't fall within the six category listed above.

+1x AMEX Travel Portal

Business Gold Cardholders will receive 1 additional Membership Rewards Points per $1 spent on the American Express Travel Portal. This will give you a total of 2 points per $1 spent since you'll also earn 1 point for non-category spending. If you spend heavy on the American Express Travel website, I recommend picking up either the Blue Business Plus Card which can earn 2-3 points per $1 or either the American Express Platinum Card or AMEX Business Platinum in which both cards earn 5x on airfare and hotel purchases per $1 spent made through the portal.

Perks and Benefits

The AMEX Business Gold features offers one primary benefit which is the 25% point rebate on airfare purchases made through the AMEX Travel Portal.

25% Point Rebate

Airfare purchases made through the American Express Travel Portal will be eligible for a 25% point rebate. This is a great bonus to the card which bumps the value of Membership Rewards Points up to about 1.3 cents each. Do note that you must have enough points to purchase the airfare ticket at its normal/face value. After about a month, 25% of those points will be returned to your account. A higher point rebate of 35% is offered on the American Express Business Platinum Card and those with the American Express Business Centurion Card receive a 50% rebate.

Sign Up Bonus

The standard sign up bonus for the AMEX Business Gold Card is 50,000 Membership Rewards Points after spending $5,000 on the card within the first 3 months. This is worth at about $650+ when you redeem your points for airfare and use the 25% rebate. This can also be worth as much as $1,000 when transferred to AMEX's airline partners.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the AMEX Business Gold Card is $295 annually. This card offers no annual credits to offset that value, so you'll want to make sure you're running decent spend through the card. If you're big on FedEx, the card will pay for itself as it offers more than $295 in savings throughout the year through AMEX Offers alone. If you manage to hit the $150,000 cap on the 4x categories, you would be looking at 600,000 Membership Rewards Points which has a value of $6,000 to $7,800+. If you value Membership Rewards Points at 1.3 cent each (25% rebate value), you would have to spend $473 per month in the 4x categories to cover the annual fee.

Authorized User Fee

The authorized user fee on the AMEX Business Gold Card is $0. This means you can add employees (or friends/family) without any charge to you. I highly recommend adding additional users to help max out the 4x bonus categories.

Foreign Transaction Fee

The Business Rewards Gold Card has a 0% foreign transaction fee. While it is great that you will not be charged a penalty for international purchases, most of these categories are tied to the United States so you will not earn anything more than 1 Membership Reward Point per $1 spent.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.