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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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.
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/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.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads