Editorial and Partnership Disclosure
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.
To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $375 |
| Credit Needed | Excellent, Good |
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- 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.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- 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.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
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How We Evaluate Points Rewards Business Credit Cards
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
- American Express® Business Gold Card Rewards
- American Express® Business Gold Card Features
- American Express® Business Gold Card Fees
- American Express® Business Gold Card Alternatives
- The Blue Business® Plus Credit Card from American Express
- Ink Business Preferred® Credit Card
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
- Those 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.
If this card doesn’t fit your needs, see our recommended alternatives below.
American Express® Business Gold Card Rewards
- 100,000 Membership Rewards® points after spending $15,000 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:
- Purchases at US media providers for advertising in select media (online, TV, radio)
- US purchases from electronic goods retailers and software & cloud system providers
- US purchases at restaurants (including takeout and delivery)
- US 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 US
- 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. Note that the value of each Membership Rewards® point is valued at 1 cent apiece.
American Express® Business Gold Card Rewards Calculator
Your potential annual reward earnings are:
How to Redeem American Express® Business Gold Card Rewards
You can use your earned Membership Rewards® points to redeem the following:
- Pay with Points at Checkout—use your points on your next online order at selected partners.
- Gift cards—get a gift card that can easily be pulled up on your phone to be used when shopping
- Card purchases—login to your American Express account, and select any purchases you’d like your points to cover
- Pay with Points through AmexTravel.com—earn points when booking at AmexTravel.com, and use these earned points to cover your next vacation
- Transfer points—-transfer points to 21 participating airline and lodging partners
Note that the dollar-to-point value will vary on how you redeem them.
American Express® Business Gold Card Features
Business Value
- $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. This can be an annual savings of up to $240. Enrollment required.*
- $155 Walmart+ Credit: 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
Cash Flow Flexibility
- Pay Over Time: Pay your balance on eligible 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 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.
- Account manager: Take advantage of having a dedicated account manager to oversee your American Express account.
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:
- $100 in experience credit, which can be used to spend on qualifying dining, spa, and resort activities
- Room upgrade upon check-in, when available
- 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.
Insurance protection
- Cellphone 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 purchases made with your card.
American Express® Business Gold Card Fees
APR
- Introductory: N/A
- Ongoing: 17.74% to 28.49% variable, which adjusts with the prime rate
- Penalty
- 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.
How To Make Payments
- Online or mobile banking: You can pay via the Amex website or 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” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transfer: Include your card member name, your American Express account number, and the following information when paying via this option:
- Bank name: Chase Manhattan Bank
- Account name: American Express Card Member Wire Depository
- Address: 1 Chase Plaza New York, NY 10081
- ABA number (routing number): 0210-0002-1
- Account number: 910-2-753036
- 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 96001
Los Angeles, CA 90096-8000
American Express® Business Gold Card Alternatives
American Express Business Business® Plus
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
If you are looking for an alternative card from the same issuer, then we recommend the American Express Business Business® Plus. This card lets you earn 2x points on the first $50,000 in annual eligible purchases and lets you enjoy $0 annual fees and flexible credit limits through its expanded buying power.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
- 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 ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
The U.S. Bank Triple Cash Rewards Visa® Business Card is great if you want a card that lets you earn up to 5% cash back in selected spending categories. You can also take advantage of the 0% introductory period on purchases, which can help if you are looking to make large purchases.
Ink Business Preferred® Credit Card
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 26.74% Variable |
| Annual Fee | $95 |
| Credit Needed | Excellent, Good |
- 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
- 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
Business owners who are looking for a card that lets you enjoy $0 foreign transaction fees may want to include the Ink Business Preferred® Credit Card in their list of alternative cards. While this card does not have a 0% introductory period on purchases and balance transfers, it makes up for the 1:1 point transfer—which you can use to redeem your points to participating travel programs at full 1:1 value.
Frequently Asked Questions (FAQs)
Is the annual fee on the American Express® Business Gold Card worth it?
It is—if your business makes significant purchases. Earned points can be used to offset purchases through the Membership Rewards® Program.
How do I qualify for the American Express® Business Gold Card?
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.
Is there a preset spending limit on the American Express® Business Gold Card?
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express® Business Gold Card
American Express Blue Business® Plus
