Editor’s note: This is a recurring post with regularly updated card details.
American Express® Business Gold Card offers flexible credit limits and premium rewards on the top two eligible expense categories where your business spends the most. Its high annual fee of $375 is justified by the perks it offers—including annual statement credits for Walmart+ membership and selected eligible purchases, travel insurance coverage, and The Hotel Collection experience credit.
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
- 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.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- 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. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
- 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.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- 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. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
When evaluating points rewards business credit cards like the American Express® Business Gold Card, we first consider both ongoing and introductory rewards. We also take into account the annual fee, introductory and ongoing annual percentage rates (APRs), and other benefits.
Grading Criteria | Card Score | Highest Possible Score |
---|---|---|
Ongoing Rewards | 23 | 25 |
Introductory Rewards | 23 | 25 |
Additional Features | 15 | 15 |
Annual Fee | 10 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 79 | 100 |
Who the American Express® Business Gold Card Is Best For
- Businesses with varied expenses: The card enables you to maximize your rewards earning potential—it lets you earn a premium rewards rate on the top two categories where your business spends the most each month without the need to monitor your spending categories.
- Business owners who need flexible credit limits: It has no preset spending limit, which means your limit is flexible. The amount you can spend adjusts based on your purchase, payment, and credit history.
American Express® Business Gold Card Rewards
- 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of opening an account
- 4x points on the first $150,000 in combined purchases on the top two business categories each calendar year. Qualifying business categories include:
- Airfare purchased directly from airlines
- US purchases for advertising in selected media (online, TV, and radio)
- US purchases from selected technology providers of computer hardware, software, and cloud solutions
- US purchases at restaurants, including takeout and delivery
- US purchases for shipping
- 3x points on flights and prepaid hotels booked on amextravel.com
- 1x points on all other eligible purchases
American Express® Business Gold Card Rewards Calculator
Find out how much you can earn from the American Express® Business Gold Card by using our rewards calculator. It calculates your potential rewards based on your estimated monthly expenses.
The value of American Express Membership Rewards® points varies depending on how they are redeemed. It typically ranges from half a cent to 1 cent per point. For this calculator, we compute points rewards based on the minimum value of 0.5 cents.
How to Redeem American Express® Business Gold Card Rewards
There are several ways to redeem your American Express Membership Rewards® points. You can use your points
- To pay for purchases from
- American Express Travel
- Amazon.com purchases
- Ticketmaster
- Best Buy
- Other retailers
- And for
- Gift cards from a variety of merchants
- Statement credit
- American Express partner loyalty programs offered by airlines and hotels
The value of points varies depending on how you redeem them. In general, points are worth around half a cent to 1 cent each. See the table below for the estimated value of points based on how you plan to redeem them.
Type of Redemption | Points Value |
---|---|
Pay With Points at Checkout | 7/10ths of a cent to 1 cent, depending on merchants |
Gift Cards | Half a cent to 1 cent, depending on merchants |
Statement Credit | 6/10ths of a cent |
Book or Upgrade Travel | Half a cent to 1 cent, depending on the type of transaction |
Shop With Membership Rewards Points | Half a cent |
Transfer Points to Frequent Flier Programs | Half a cent to 1 cent, depending on the airlines |
For a more detailed and updated list of redemption options and their corresponding points value, visit global.americanexpress.com/rewards/calculator.
American Express® Business Gold Card Features
Business Value
- $240 Flexible Business Credit: Earn up to $20 in statement credits each month for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.
- Get up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
Cash Flow Flexibility
- Pay Over Time: Pay your balance on eligible The following are ineligible for Pay Over Time: Cash advances (including cash and other cash equivalents), certain insurance premiums, and other fees owed to American Express purchases over time with interest. American Express will assign a Pay Over Time limit to your account, which may differ from the total amount you can spend on your card.
- No preset spending limit: Take advantage of flexible spending limits. Unlike traditional cards that have a set limit, your spending amount on this card can be adjusted based on factors such as your purchase history, payment, and credit history.
Expense Management
- Year-end summary: Make use of the year-end summary of charges to help you manage your account online.
- Free employee cards: Earn rewards on purchases made on employee cards and stay on top of expenses with spending limits.
- QuickBooks® integration: Save time with auto-expense categorization in QuickBooks.
Travel Protection
- Baggage insurance plan: Get a baggage insurance plan of up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York residents, there’s an aggregate maximum limit of $10,000 for all covered persons per covered trip.
- Car rental loss and damage insurance: Receive a car rental loss and damage insurance when you pay for your rental using your eligible credit card. You should decline the collision damage waiver provided by the rental company to be eligible.
- Trip delay insurance: Purchase a round-trip with your American Express credit card to get covered with trip delay insurance if your trip is delayed for more than 12 hours.
- The Hotel Collection: Spend at least two consecutive nights at The Hotel Collection participating properties and get the following benefits:
- Global Assist® Hotline:Contact the Global Assist® Hotline for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Purchase Protection
- Purchase protection: Get covered to protect your purchased items that are damaged or stolen for up to 90 days from the date of purchase. The purchase protection coverage is limited up to $1,000 per occurrence and $50,000 per card member per year.
- Extended warranty protection: Extend the warranty of your eligible purchases for one additional year if the original manufacturer’s warranty is five years or less. To qualify, the items must have been purchased in the United States or its territories or possessions.
- Relationship Care® Service: Contact a customer care professional who is available 24/7 to answer any questions you have about your card.
- Dispute resolution: Address any fraudulent or incorrect charge made with your card.
American Express® Business Gold Card Fees
APR
- Introductory: None
- Ongoing: 19.49% to 28.49% variable, which adjusts with the prime rate
- Penalty
Penalty APR will apply for a minimum of 12 consecutive billing periods and will continue to apply until after you have made timely payments with no returned payment incurred for 12 consecutive billing periods.
: 29.99% variable, which adjusts with the prime rate. This will apply to your account if you:
- Made two or more late payments within the 12-month period
- Didn’t pay the Minimum Payment due by the closing date of the billing period and still didn’t pay it by the Closing Date of the next billing period
- Made a returned payment
Fees
- Annual: $375
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: Cash advances aren’t allowed
- Late payment: Either $39 or 2.99% of any past due pay-in-full amount, whichever is greater
- Returned payment: $39
Your due date is at least 25 days after the close of each billing cycle.
- Online or mobile banking: You can pay your credit card bills from either the Amex website or its mobile app.
- Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments,” located in the blue navigation bar, then choose “Manage AutoPay.”
- Mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
American Express® Business Gold Card Alternatives
Chase Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Chase Ink Business Preferred® allows balance transfer transactions and earns points rewards. You can earn up to 5x points per dollar, depending on the spending categories. Plus, it has a low annual fee of $95.
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
American Express Business Platinum Card® comes with luxury travel perks like access to over 1400 airport lounges worldwide and airline fee credits. You can earn up to 5x points on purchases, and take advantage of a generous welcome offer and over $1,000 in business and travel value annually.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers 0% APR on purchases for the first 12 billing cycles—ideal if you need to make a substantial purchase. It lets you earn up to 5% cash back on purchases and a $100 annual statement credit on recurring software subscriptions. Plus, it features the ExtendPay™ Plan, letting you pay off your eligible balance over time without interest (just a small monthly fee).
Frequently Asked Questions (FAQs)
It is—if your business makes significant purchases. Earned points can be used to offset purchases through the Membership Rewards® Program.
You only need either a personal credit score of at least 670 or a business credit score of at least 75 and two years of good credit history.
No. American Express is the only major card issuer that offers no preset spending limit cards.
Bottom Line
American Express® Business Gold Card is best for business owners with expenses in varied spending categories each month, as it lets you earn premium rewards in the two categories where you spend the most. You can redeem your rewards in several ways, including travel, pay with points, and statement credit. Keep in mind, however, that it doesn’t offer a 0% APR period, has a high annual fee, and doesn’t allow cash advance and balance transfer transactions.