American Express® Business Gold Card Value & Points Calculator

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 meaning that you'll always get the highest return when spending on the card. You'll also be able to enjoy a 25% rebate on airfare redemptions through American Express Travel which bumps up the value of Membership Rewards Points to 1.3 cents apiece.

Intro Bonus: 70,000 Points
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Rewards Rates

Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
Earn 1X points on all other purchases.

Eligible 4X categories are: airfare, U.S. gas station, U.S. shipping, U.S. advertisements, U.S. restaurants, and U.S. computer hardware, software, or cloud computing.

Current Intro Bonus

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.

Key Cardholder Benefits

  • 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. These bonus points are issued back in the form of a rebate usually about 1 month after redemption.
  • The American Express Business Gold Card offers the ability to carry a balance with interest that you can pay over time. Your account will be given a Pay Over Time Limit in which you can add eligible purchases to.
  • The American Express Business Gold Card has no preset spending limit. This means your spending limit is flexible and will adapt based on factors such as your purchase, payment, and credit history.
  • As an American Express Business Gold Card member, you'll have access to book through The Hotel Collection with American Express Travel. When booking at least a two consecutive night stay you will receive a $100 hotel credit and room upgrade upon arrival (when available).

Rewards Value

Membership Rewards Points earned with the American Express Business Gold Card are worth up to 1.33 cents when redeemed towards airfare via This is due to the 25% Airline Bonus (Rebate) that you'll receive when booking airfare through American Express Travel.

Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel with the Business Gold Card 1.33
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Transfer Partners

Points earned with the American Express Business Gold Card can be transferred to 20 travel partners, with most partners being at a 1:1 ratio.


Annual Fees

The American Express Business Gold Card has a $295 annual fee.

If you spend moderately across the card's 4X categories and make use of the 25% rebate the card offers towards airfare booked through, it shouldn't be hard to offset this card's annual fee.

Do note that you can earn points with other Membership Rewards credit cards and then redeem them for airfare through the American Express Business Card to up their value to 1.3 cents apiece which bumps up the overall value of all Membership Rewards credit cards tied to the same account.

AMEX Points Calculator

Use the Business Gold Points Calculator to determine how many AMEX Points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the Business Gold alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.

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Other Ways To Earn

If you frequently makes purchases online and you're looking to earn more Membership Rewards Points, you should consider using Rakuten Rewards.

Rakuten is an online shopping portal that pays you for shopping online. Basically, they run a website full of affiliate links to different retailers and pay you, the user, some of their commission when you make an online purchase using those links.

The best thing about Rakuten is that they are partnered with American Express Membership Rewards. So instead of earning cash back on your purchases, you can opt in to earn Membership Rewards Points.

So if Rakuten is offering 10% cash back with a certain retailer, you'll be able to earn 10X Membership Rewards Points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

I use the portal for all of my personal and business online purchases... from buying gifts to booking travel. Since Rakuten uses affiliate links, you're always dropped off on the retailers website. So you're not booking or buying through a third party.

For example, if I click on the Marriott affiliate link on the Rakuten website, it's going to take me to I can then book my travel as normal and Marriott will notify Rakuten that I have done such. So I still get to earn my Marriott Bonvoy Points from my Marriott booking as well as earn additional Membership Rewards Points based on what Rakuten is offering for Marriott.

You can sign up for Rakuten Rewards for free through our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.


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.

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