Earning Rates

The AMEX Business Gold Card earns 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle, on up to $150K in combined purchases per calendar year, from these 6 categories:

  • Purchases at US media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

The AMEX Business Gold Card also earn points on the these purchases at the following rates:

  • 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com.
  • 1 point per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the AMEX Business Gold Card:

  • $240 Flexible Business Credit: Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.
  • $155 Walmart+ Credit: Receive a statement credit for one monthly Walmart+ membership after you pay for Walmart+ each month with your Business Gold Card.
  • The Hotel Collection: Book The Hotel Collection with American Express and receive a $100 experience credit and room upgrade upon check-in, when available.
  • No Preset Spending Limit: 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.
  • Travel & Purchase Coverage*: Trip Delay Insurance, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Cell Phone Protection, Purchase Protection, and Extended Warranty.

* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The AMEX Business Gold Card has an annual fee of $375. See Rates & Fees

If you can make use of the annual credits, you'll easily be able to make up for most, if not all, of the annual fee. Even if you can't use all the credits, the whopping 4X earning rates on this card makes it a powerhouse for earning points and that alone can easily make up for the fee.

Authorized User Fee

There is no fee to add authorized users to the AMEX Business Gold Card. Adding employees to the account can help you build up points significantly faster — especially at the high 4X earning rate.

Foreign Transaction Fee

The AMEX Business Gold Card has a 0% foreign transaction fee. That means you can earn points on non-U.S. Dollar purchases without being penalized which is great.