AMEX Points Calculator: American Express Business Gold Card

The American Express Business Gold Card earns 4X points on two categories you spend the most in. Review card benefits, calculate points, and compare cards.

The American Express® Business Gold Card earns 4 Membership Rewards Points per $1 spent on the two categories your business spends the most in every month. The card automatically adjusts every month which means you'll always get the highest return when spending on the card. In addition to great earning rates, it also offers a 25% rebate on airfare redemptions through the American Express Travel Portal. This puts Membership Rewards Points back into your business to use for another day. If you're looking to earn rewards towards travel, the American Express Business Gold Card is one of the best business credit cards on the market.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The American Express Business Gold Card offers a total of six possible bonus categories that can earn you bonus points. Those categories are airfare, U.S. advertisement, U.S. gas station, U.S. shipping, U.S. restaurant, and U.S. computer hardware, software, or cloud computing. The two categories you spend the most in during the month out of that list will earn at the 4X rate automatically. All of the other categories will earn at the non-category rate of 1X along with purchases that aren't part of those six categories.

The 4X multiplier on the American Express Business Gold Card is only up to the first $150,000 in spend during the calendar year. Once you've hit that cap, you'll earn at the non-category rate of 1X for the remainder of the calendar year across all categories. There's no limit to the amount of points you can earn with the card overall.

  • 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 Cloud Computing
      • Specific to purchases with the following companies:
        • Apple
        • CDW
        • Dell
        • HP
        • IBM
        • Intuit
        • Lenovo
        • Microsoft
        • Newegg
        • Oracle
        • Rackspace
        • Sage Software
        • Salesforce.com
        • 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 American Express Business Gold Card features one main benefit and that's the 25% airfare rebate when redeeming points towards airfare on the American Express Travel Portal. Outside of that, the card offers the standard American Express business credit card benefits.

  • 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)
    • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • Expense Management Tools
    • Vendor Pay by Bill.com, 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
  • Insurance and Purchase Protections

*Enrollment required.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
American Express® Business Gold Card
American Express® Business Gold Card
Intro Bonus
Welcome Offer: 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.
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%

FAQ

Is the American Express Business Gold Card worth it?

Yes. The American Express Business Gold Card is one of the best business credit cards on the market. If you're looking to earn travel rewards points for your business, this card is well worth picking up.

What bonus categories are on the American Express Business Gold Card?

The card earns 4X Membership Rewards Points on the two categories you spend the most in every month out of airfare, U.S. gas station, U.S. shipping, U.S. advertisements, U.S. restaurants, and U.S. computer hardware, software, or cloud computing. The other categories will earn at the rate of 1X.

What benefits does the American Express Business Gold Card offer?

The main benefit of the card is the 25% point rebate it offers when using Membership Rewards Points on airfare in the American Express Travel Portal. This saves you points and thus bumps up the value of Membership Rewards Points overall when redeeming them for airfare.

Review our top picks for the best travel credit cards and calculate which cards will earn you the best return based on your spend.
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Updated 2021-04-04 By Robert Flowers III

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