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American Express® Business Gold Card

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Fees

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This card is not available through The Point Calculator.

Earning Rates

Earn 4X Membership Rewards® points on your top 2 eligible categories each billing cycle.
Earn 3X points on flights and prepaid hotels booked on amextravel.com.
Earn 1X points on all other purchases.

Intro Bonus

Main Benefits

Up to $240 in Flexible Business credit, up to $155 in Walmart+ Membership credit, benefits when booking through The Hotel Collection, and travel & purchase coverage.

Rewards Details

American Express Business Gold points are worth 1 cent each when redeemed towards airfare booked via amextravel.com.
You can obtain higher value by transferring points to AMEX's travel partners and redeeming them for flights and hotel stays.

Our Take

If your business spends a decent amount across any of the featured categories on the card, you're most likely going to get superb value out of this card as 4X points can be very valuable when redeemed with AMEX's airline and hotel partners. On top of that, if you can make use of the annual credits, you'll easily offset the annual fee of the card.

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What are the Business Gold 4X categories?

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.

Calculator: AMEX Business Gold points value

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AMEX Business Gold 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.

Calculator: AMEX Business Gold points transfer

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AMEX Business Gold 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.

AMEX Business Gold points and card value calculator

Use our AMEX Business Gold points calculator to see how many points you can earn based on your monthly or yearly spending, and find out if the AMEX Business Gold is worth it for your business.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

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Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.