Amex Business Gold Rewards Card ReviewsReviews, rates, fees, and rewards details for The American Express® Business Gold Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rate70,000 points welcome offerNo foreign feeHigh annual feeSpending caps on rewards
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.7
Market Comparison
3.3
fees: 2.5
rewards: 3.6
cost: 3.6
Other Features: 0.0
Earn 70,000 points
after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
The American Express® Business Gold Card is a pricey, yet highly rewarding business card that’s great for chief executives with good or excellent credit who plan to pay most charges in full by the due date each month. Amex Business Gold's cardholders have the option to pay for eligible purchases over time, allowing them to carry an interest-accruing balance. But it’s not as flexible financing-wise as general-purpose credit cards.
WalletHub Rating Breakdown
User Reviews
3.7/5
327 reviewsRead and write reviews
Editor’s Review
4.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Earn Rewards” for this card.
Fees
2.5
Rewards
3.6
Cost
3.6
Other Features
0.0
3.3/5
Compared against 1,500+ credit cards
KEY TERMS
Earn 70,000 points
after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
American Express Business Gold card Annual Fee
$375
American Express Business Gold card APR on Purchases
19.49% - 28.49% (V)
American Express Business Gold card Balance Transfer
Balance Transfers Not Allowed
American Express Business Gold card Rewards
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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
*Terms Apply
American Express Business Gold card's Additional Info
Your Card – Your Choice. Choose from Gold or Rose Gold.
This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
cash advance fee
Not Applicable
cash advance APR
Not Applicable
foreign transaction fee
0%
smart chip
Yes, chip-and-PIN
max late fee
$39 or 2.99% of any past due Pay in Full amount, whichever is greater
The American Express® Business Gold Card is a pricey, yet highly rewarding business card that’s great for chief executives with good or excellent credit who plan to pay most charges in full by the due date each month. Amex Business Gold's cardholders have the option to pay for eligible purchases over time, allowing them to carry an interest-accruing balance. But it’s not as flexible financing-wise as general-purpose credit cards.
The American Express Business Gold Card is best for earning bonus rewards in popular corporate spending categories. In addition to earning a bonus of 70,000 points for spending $10,000 in the first 3 months, cardholders also earn 4 points per $1 spent in the two select categories with the most spending (up to $150,000 per year combined), 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com, as well as 1 point per $1 spent on all other purchases. There are six options available for the bonus rewards, including airlines, U.S. gas stations and U.S. restaurants.
Those are the most important things to know about the American Express Business Gold Card, at least right off the bat. You can find more information and a summary of the key terms below.
American Express Business Gold Card Review Highlights:
Customizable Rewards. The Amex Business Gold Card has six bonus rewards categories. You get 4 points per $1 in whichever two bonus categories you spend the most each month. And that bonus earning rate applies to your first $150,000 in bonus-category spending each calendar year. You also get 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com, as well as 1 point per $1 for all other eligible purchases.
The Amex Business Gold Card’s bonus spending categories are: 1) Airfare purchased directly from airlines; 2) U.S. advertising purchases (online, TV, radio); 3) Computer hardware, software and cloud computing purchases from select U.S. providers; 4) Gas purchases at U.S. gas stations; 5) U.S. purchases at restaurants; and 6) U.S. purchases for shipping.
Pay Over Time Option Adds Flexibility. The American Express Business Gold Card requires payment in full by the due date in most cases. But you have the option to pay for eligible purchases at a more relaxed pace, with interest. Eligible charges will be included in a Pay Over Time balance, up to the Pay Over Time Limit. This adds some flexibility compared to your run-of-the-mill charge card, but it should not be one of the main reasons you apply. All charges not added to a Pay Over Time balance must be paid in full each month by the payment due date. If you want extra time to pay down big-ticket business purchases, there are plenty of 0% APR offers to choose from.
High Annual Fee. The Business Gold Card charges a $375 annual membership fee. That is roughly 17 times higher than average for a credit card. So before you apply, ask yourself if you’re getting a 17X better deal than the replacement-level card would provide.
No Foreign Fee. The Business Gold Amex does not charge a foreign transaction fee, making it 1.56% cheaper for international use than the average credit card. But American Express isn’t nearly as widely accepted abroad as Visa and Mastercard, so you should confirm that your favorite destinations take Amex before you apply.
Good Credit or Better Needed. Your personal credit standing is what counts when it comes to business card approval. So it’s a good idea to check your latest credit score for free on WalletHub before you apply.
Finally, it’s worth noting one other interesting feature this card provides. If a vendor does not accept credit cards, Amex can still pay invoices on your behalf in return for repayment in 30, 60 or 90 days, with a fee.
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Compare The American Express Business Gold card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.7
Market Comparison
3.3
fees: 2.5
rewards: 3.6
cost: 3.6
Other Features: 0.0
3.3WalletHub Rating
WalletHub Rating
3.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.9
Market Comparison
3.2
fees: 1.3
rewards: 4.8
cost: 2.7
Other Features: 5.0
2.7WalletHub Rating
WalletHub Rating
2.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about American Express® Business Gold Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
No, you can't earn the American Express Business Gold card 75k bonus anymore as the offer is no longer available. The current bonus is 70,000 points for spending $10,000 within 3 months of account opening. You can redeem your American Express Business Gold card points for a variety of things, including gift cards, statement credits, travel, and more.
You can still earn a lot of bonus points with the current American Express Business Gold card promotional offers. Take a look at some of the card's features below.
Here's what the American Express Business Gold card currently offers:
High initial bonus. You'll earn 70,000 points for spending $10,000 within 3 months of account opening. In addition, points are worth up to 1 cent each. You can redeem your points for gift cards or book travel through Amex Travel. So, that's a worthwhile return on the $10,000 you have to spend.
Extra points in bonus categories. With this card, you can earn 4 points per $1 spent in the two select categories with the most spending (up to $150,000 per year combined), 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com, as well as 1 point per $1 spent on all other purchases.
The categories include airfare purchased directly from airlines and U.S. purchases on advertising in select media, shipping, gas stations, computer hardware/software/cloud solutions, as well as restaurants.
Airline Bonus. You get 25% of your points back after using them to book flights through Amex Travel, up to 250,000 per calendar year.
Free employee cards. You can add employees as authorized users on your account.
Expense management tools. You'll get free access to mobile apps that will help you improve your cash flow and manage your account. You'll also get detailed yearly summaries. Plus, you can link your account to QuickBooks, which will help you keep track of your expanses.
Travel perks. You can get reimbursed for damage or theft of rental cars that you paid for with the American Express Business Gold card. You're also insured up to a specified amount for lost or damaged baggage, emergency assistance, and trip delays. Plus, there's a 0% foreign transaction fee for any transactions that involve international merchants.
Moreover, Amex will sometimes temporarily boost their initial bonus offer on the website. So, make sure to occasionally check for any updates. You can also get other types of bonus points every month and various other perks to sweeten the deal.
The decision to apply isn't a no-brainer, though. You should definitely consider other cards, too. A good option is the Ink Business Preferred® Credit Card, which offers 100,000 points for spending $8,000 in the first 3 months. Another decent choice is the Capital One Spark 2% Cash Plus, which offers $1,200 for spending $30,000 in the first 3 months.
The main American Express Business Gold card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
American Express Business Gold card Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
No, you can't earn the American Express Business Gold card 100k bonus anymore as the offer is no longer available. The current bonus is 70,000 points for spending $10,000 within 3 months of account opening. This offer is still on the higher end of the spectrum as far as credit card bonuses go.
What the American Express Business Gold card currently offers:
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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
*Terms Apply
Keep in mind that Amex reserves the right to take your bonus points away if they feel like you abused the system. For example, shopping a lot to...
It's actually impossible to tell what your American Express Business Gold card credit limit will be. Amex won't even tell you what it is after you get approved. You have to call customer service at (800) 528-4800 to ask. That's because the American Express Business Gold card has “no preset spending limit,” which means the amount you're allowed to spend can change every month. It can be a confusing system at first, but getting a feel for what affects the limit will help.
Some of the best American Express Business Gold card benefits include baggage insurance, trip delay insurance, and extended warranty protection. The card also comes with purchase protection and rental car insurance, among other perks. To be eligible for any of these benefits, you'll need to pay for your purchase with the American Express Business Gold card.
American Express Business Gold card benefits & perks:
Travel insurance: Baggage insurance, trip delay insurance, and car rental insurance.
Benefits for purchases: Extended warranty and purchase...
To get the American Express Business Gold card welcome bonus, new cardholders must spend $10,000 within the first 3 months of opening an account. The American Express Business Gold card bonus is 70,000 points.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the American Express Business Gold card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.
In addition to the welcome bonus, the American Express Business Gold card offers...
If you're looking for a business credit card that has an airline fee credit, you should consider getting the American Express Business Platinum card. This card offers a $200 annual credit for incidental airline expenses. Just keep in mind that the credit will only apply to a single qualifying airline of your choice, which can only be selected once a year.
You cannot get the American Express Business Gold card 50k bonus anymore. The card now offers a 70,000 points bonus. To earn it, you need to spend $10,000 on eligible purchases during your first 3 months of card membership.
Almost anything you can charge to your card counts as an eligible purchase, but there are exceptions. For example, fees, interest, prepaid cards, travelers' checks and gift cards don't count toward the spending requirement. And there are a few more rules...
The American Express Business Gold card annual fee is $375. American Express Business Gold card's annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the American Express® Business Gold Card, either.
American Express Business Gold card Fees
Annual Fee:$375
Foreign Fee:0%
Max Late Fee:$39 or 2.99% of any past due Pay in Full amount, whichever is greater
Share your insights and review for the American Express® Business Gold Card
5
17%
4
55%
3
14%
2
9%
1
5%
3.7
327 reviews
327 reviews
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Noureddine Tenafer @deantenafer
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1 Star Rating
Nightmare Credit Department.
As a business based in central London it's the norm to make large amount transactions American Express claim to think their business card doesn't have a limit of spend I can assure you their description and service provided do not meet, as the spending limit keeps changing and most of the time it has to be approved though the credit team via a phone call.
And now I closed my account what a shame!!
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Lilly White @onaplake
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1 Star Rating
Approached at airport to sign up for this card. Already had a few. Signed up anyway as some pressure applied. Did a status check to see where I sat with the promotion 80% at the spending goal and was told there was no promotion. So I closed all AMEX cards but this one and plan to close this one. Beware!
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Beau Smith @n_o_traveler
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1 Star Rating
This is a gimmick card. The telephone salesperson kept telling me that 3x the points on our large online media buys was the same as 3% back. It is not.
I will stay with my Fidelity Visa that is 2% cash back into a money market account with no limit.
American Express has more gimmicks than real useful deals.
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Siva Iyer @sivai1
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3 Star Rating
We have had this business card for a few years now. Things we really liked about this card are: the bonus points we got upon sign up, first year membership free and the exceptional customer service and online account management tools from American Express. They also have plenty of great ways to redeem your points. In general, the value for each point equates to about a dollar - however, there are some things that seemed more expensive to redeem. For e.g. if you plan to exchange these points for Starwood SPG points it works about to about 3:1 - which I think is a bit too much. Also, we are not really happy that they have increased the annual fee this year to $175 - this is a good chunk if you are really small business owner and takes a good chunk out of the points you can potentially earn in an year.
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Cody DeLong @photocody666
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5 Star Rating
We love using this card for all of our business needs. When we signed up we received over $500 in bonus points that were quickly used on some much needed expenses. We love the no preset spending limit as well. This has helped us purchase things that we haven't been able to easily in the past. A lot of our business is done via credit card and being a newer business our limit was always reached easily on our other card that we have. The things you can redeem your points for are also awesome. There are so many different types of items you can get. We also love the bonuses that they offer every season with different types of merchants. I would recommend this card to any business looking for a great solution.
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Ben @shortstain
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3 Star Rating
This Business Gold Rewards Card from American Express isn't a consumer card, that's for sure. The hefty $175 dollar fee makes it nearly unaffordable for most people, but this is definitely a business card. No preset spending limit makes it a great card for any size business though, except that payment must be paid every month with this card. So if your company can afford it, this card makes a great card to put your balance on. There's no fee the first year either, and the rewards program is pretty good. Compared to a Capital One Spark Business, that card allows you to rack up a balance, but this one has no preset spending limit. I think this card is quite good if your business can afford to use it.
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David Bishop @aleroquentin
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4 Star Rating
The Business Gold Rewards Card® from American Express is a great corporate card, or for the wealthy individual who makes travel a large part of their life. With the large point bonuses on gas and airfare rates and the need to spend 5k in the first 3 months to activate the full bonus points, it's obvious who this card is intended for. Also, it's definitely a business card and not suited to the individual as the balance must be paid off before at the beginning of every month. Unlike every other card I have had (including my Oklahoma State Alumni card) this has no pre-set spending limit. So you're free to "grow your business". Oh happy day.
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Pasquale Burrow @pasqualeb_1
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3 Star Rating
I got this card at my job for company expenses. I felt in love with how easy it was to use this card. They give you points you can use to book flights etc. I had enough points to book a flight within 6 months and it was a tremendous help. I personally thought that it's an amazing card for corporations and if I ever have my own company this is the card I will use for my expenses. I don't think it's a good card for an individual just because when I applied for it they gave me very limited credit limit and their late fees was too much.
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Joe Weider @joe_weider
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4 Star Rating
Small business owners have a lot of important decisions to make and which credit card(s) to use for company spending is merely one of them, so I’ll try to make this little review of The “New” Business Gold Rewards Card from American Express Open a short one. First of all, it’s important to point our that the Amex Gold Business Card is a charge card, not a traditional credit card, which means you need to pay your balance in full every month. That’s actually a good thing though, for two reasons: 1) The CARD Act does not apply to small business credit cards so you shouldn’t use one to revolve a balance anyway 2) charge cards often have better rewards. Speaking of rewards, the American Express Gold Business Card offers 3 points for every dollar you spend on airfare, 2 points on advertising, gas and shipping, and 1 point on everything else. You also automatically save 3-10% on every purchase you make through FedEx, OfficeMax, Hertz, etc. Therefore, it offers you good rewards on some of your most important expenses. In this regard, it passes the test, so to speak. Obviously, interest rates don’t apply to charge cards, so let’s move to the American Express Open Gold Card’s fees. It doesn’t have a membership fee during the first year and while it charges $175 beginning in the second year, the rewards and membership benefits are likely worth it (enhanced spending tracking and management features, purchase and travel insurance, roadside assistance, etc.).
Nevertheless, you may want some alternatives. The Capital One Spark Cash for Business and the Citi Platinum Select Credit Card are good options for everyday purchases and revolving debt, respectively. Whether you choose one of these cards or American Express’ Gold Business Charge Card, you really can’t go wrong (as long as you use them for the right kinds of transactions).
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2024 WalletHub Awards
American Express® Business Gold Card is an Editor's Pick for: