This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page.

Credit Score

Good to Excellent

Featured Reward

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • You can bonus points on the categories where you make the most purchases (from a list of options)
    • 25% points rebate when you use rewards to book an eligible flight through Amex Travel
    Cons
    • High annual fee
    • 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.*
    • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
    • *Terms Apply


    Read Our Review
    Read Our Review A looong arrow, pointing right

    If you own a small business — even a part-time venture or side gig — and are looking for a card that earns flexible points you can use for travel and other rewards, the American Express® Business Gold Card
    is worth considering. It’s particularly useful for those who spend a lot on common business purchases, because it earns bonus points on your top two spending categories (from a list) each month.

    The American Express® Business Gold Card is currently offering a substantial welcome bonus of 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership. It also comes with a wide array of travel and shopping benefits that can save you money and help offset the card’s $295 annual fee (See Rates), including a rebate when you redeem points for flights, car rental insurance, trip delay insurance, and purchase protections.

    You’ll earn the most points from the American Express® Business Gold Card if your business purchases are often in the following categories:

    • Airfare purchased directly from airlines
    • US gas stations
    • US restaurants (including takeout and delivery)
    • US shipping providers
    • US computer hardware, software, and cloud systems from select technology providers
    • US purchases for advertising in select media (online, TV, radio)

    You’ll earn 4x American Express Membership Rewards points on the two categories from this list where your business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), and 1 point per dollar on all other purchases. In this sense, the American Express® Business Gold Card rewards you for where your business spends the most each month — even if that changes periodically.

    That said, if you don’t spend a lot in bonus categories, you might want to look at other small-business cards that offer a flat rate of return on all purchases. For example, The Blue Business® Plus Credit Card from American Express earns 2x points on all purchases up to $50,000 per year (then 1x) and doesn’t charge an annual fee (See Rates). Or consider the no-annual-fee Ink Business Unlimited® Credit Card, which offers 1.5% back (1.5x points) on all purchases with no cap, and comes with a bonus of $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

    *the Amex Business Gold Card 4x categories include airfare purchased directly from airlines, US gas stations, US restaurants, US shipping providers, US computer hardware, software, and cloud systems from select technology providers, and US purchases for advertising in select media (online, TV, radio)

    *the Amex Business Gold Card 4x categories include airfare purchased directly from airlines, US gas stations, US restaurants, US shipping providers, US computer hardware, software, and cloud systems from select technology providers, and US purchases for advertising in select media (online, TV, radio)

    The American Express® Business Gold Card earns flexible American Express Membership Rewards points — and while you’ll usually squeeze the most value from your rewards when you use them for travel, there are plenty of other ways to redeem your points. 

    You’ll typically get the highest return from your points when you transfer them to Amex’s airline and hotel partners, like Delta, Marriott, and British Airways. If you’d rather not mess with award charts and blackout dates, you can also use your points to book airfare, hotels, rental cars, and more through American Express Travel. Cardholders can even get a 25% points rebate when redeeming for select flights through Amex Travel (more on that below).

    If you’re not ready to travel yet, you can still use Amex Membership Rewards points for lots of other redemptions, including:

    If you have other Amex cards that earn Membership Rewards points, like The Platinum Card® from American Express
    , The Business Platinum Card® from American Express, or American Express® Gold Card
    , your Membership Rewards points get combined into a single account for redemptions.

    American Express Business Gold card benefits and features

    The American Express® Business Gold Card comes with useful travel and shopping benefits that can save you a lot of money, particularly if things don’t go as planned.

    25% airline bonus

    One American Express® Business Gold Card benefit can be very lucrative for award travelers. Cardholders receive a 25% points rebate when they redeem points for first- or business-class tickets, or for any fare with their selected airline through Amex Travel (up to 250,000 points back per calendar year).

    Normally, Amex points are worth 1 cent each toward airfare booked through the Amex portal, so this rebate effectively increases their value to 1.33 cents apiece.

    Car rental insurance

    If you use your American Express® Business Gold Card to pay for your entire car rental and decline the rental company’s collision damage waiver, you’ll get secondary coverage for damage due to theft and collision. Some vehicle types and countries are excluded, so be sure to read the terms and conditions carefully.

    Trip delay insurance

    You can get reimbursed up to $300 for meals, lodging, toiletries, medication, and other personal items if you’ve paid for a covered trip with your American Express® Business Gold Card and it’s delayed by 12 hours or more, up to two times per consecutive 12-month period.

    Baggage insurance plan

    If you pay for a covered trip with your American Express® Business Gold Card, you can be covered for baggage loss or damage, up to $500 per person for checked bags and $1,250 per person for carry-on luggage. There are exclusions for high-risk items and some states have different limits, so check the terms and conditions for specific details.

    The Hotel Collection

    American Express® Business Gold Card cardholders can also book upscale properties through The Hotel Collection and receive benefits when they stay at least two consecutive nights. These include $100 in property credits to use on qualifying dining, spa and resort activities, and a room upgrade if available.

    Purchase protection

    When you pay for an eligible item with your American Express® Business Gold Card, purchase protection can cover theft or damage that occurs within 90 days of purchase, up to a maximum of $1,000 per occurrence and $50,000 per account per calendar year.

    Extended warranty

    The American Express® Business Gold Card comes with up to one additional year of extended warranty coverage for eligible new purchases in the US or its territories, on manufacturer’s warranties of five years or less. 

    Global Assist Hotline

    Cardholders get access to Amex’s Global Assist Hotline, which can help arrange things like passport replacement, medical referrals, and translation services when you’re traveling. The service itself is complimentary, but you’ll be responsible for any third-party costs incurred.

    Amex Offers

    Like other American Express cards, the American Express® Business Gold Card comes with targeted discounts and bonus rewards at participating merchants through Amex Offers. To get in on these deals, just enroll your card in the offer through your online account and make a qualifying purchase. 

    Small-business benefits

    The American Express® Business Gold Card also offers benefits specifically geared toward small-business owners, including:

    • Access to the American Express business app, which helps you manage receipts and expenses
    • Employee cards with spending limits that you can set up online or by calling American Express
    • Expanded buying power, which lets you spend above your credit limit depending on your payment history, credit record, and financial resources

    Credit Score

    Good to Excellent

    Featured Reward

    70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • You can bonus points on the categories where you make the most purchases (from a list of options)
    • 25% points rebate when you use rewards to book an eligible flight through Amex Travel
    Cons
    • High annual fee
    • 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.*
    • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
    • *Terms Apply


    Read Our Review
    Read Our Review A looong arrow, pointing right

    Amex Business Gold card fees and costs

    The American Express® Business Gold Card has a $295 annual fee, so it’s not for everyone — but if you can maximize the card’s benefits and bonus earning categories, it can certainly be worth it.

    You won’t pay foreign transaction fees with the American Express® Business Gold Card, so it’s a good choice if your small business makes a lot of international purchases or if you frequently travel abroad. 

    Like most other cards, there are fees for late or returned payments (See Rates).

    Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

    Real Life. Real News. Real Voices

    Help us tell more of the stories that matter

    Become a founding member

    For rates and fees of the American Express® Business Gold Card, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of The Business Platinum® Card from American Express, please click here.

    For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

    For rates and fees of the American Express® Gold Card, please click here.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

    **Enrollment required.


    Loading Something is loading.

    More:

    Personal Finance Insider
    Credit Cards
    Credit card review
    American Express

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.