AMEX Business Gold Card

Card Review & AMEX 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

Review the benefits of the AMEX Business Gold Card, calculate how many points you can earn based on your spend, and compare results against top cards.

The AMEX Business Gold Card features bonus categories that 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.

  • 4x Two Highest Spend Categories Per Month
    • Airfare
      • Must be booked directly with airline; No 3rd party bookings (e.g. Orbitz/Expedia).
    • U.S. Gas Station
    • U.S. Shipping
    • U.S. Advertisements
    • U.S. Restaurants/Dining
    • U.S. Computer Hard/Software or iCloud
      • Specific to purchases with the following companies:
        • Apple
        • CDW
        • Dell
        • HP
        • IBM
        • Intuit
        • Lenovo
        • Microsoft
        • Newegg
        • Oracle
        • Rackspace
        • Sage Software
        • Symantec
        • Tiger Direct
  • 1x Non-Category
    • You'll earn 1x on non-category and the 4 categories that do not have the highest spend during the month.

Perks & 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% Airline Bonus (Rebate)
    • Only for airfare redemptions through the AMEX Travel Portal.
    • Points are issued back in the form of a rebate about 1-month after purchase.
    • You must have enough points in your account to pay for the normal price of airfare.
    • Bumps up the value of AMEX Points to around 1.3 cents each when you factor in the points credited back to your account.
  • Pay Over Time Option
  • No Preset Spending Limit (NPSL)
  • Expense Management Tools
    • Vendor Pay by, employee cards, account manager, and more.
  • The Hotel Collection
    • $100 hotel credit to spend on qualifying dining, spa, and resort activities per booking.
    • Room upgrade upon arrival, when available.
  • AMEX Offers
  • AMEX Entertainment Access
    • AMEX Preferred Seating, AMEX Presale(s), and AMEX Express Seating
  • Insurance and Purchase Protections

Sign Up Bonus (SUB)

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.


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.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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 this 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.

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