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American Express® Business Gold Card review: A highflying card for everyday business expenses

A great choice for business owners who travel and now offering even more value for the asking price.

 /  16 min
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Snapshot

5.0

Bankrate rating
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Rating: 5 stars out of 5

Bottom line

The American Express Business Gold Card is an affordable option for Amex travel rewards — and an even better choice if you spend mostly on everyday business expenses. Many small-business owners may find that the excellent rewards rate, boosted redemption rate on select flights through the Amex portal and packaged travel perks are enough to justify the card’s annual fee, especially with several new annual statement credits.

Best business card for points

Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards Rate

1X - 4X

Annual fee

$375

Regular APR

18.99% - 27.99% Variable

5.0
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Bankrate Score

Rewards value

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5.0 / 5

APR

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4.0 / 5

Rewards flexibility

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3.0 / 5

Features

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5.0 / 5
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American Express® Business Gold Card overview

The American Express Business Gold Card may be one of the best business credit cards to consider if you’re a small-business owner who can leverage rewards from daily business spending into worthwhile travel redemptions. It offers generous rewards rates on up to $150,000 per year in spending across two of your top eligible business categories (then 1X thereafter). 

Amex recently refreshed the 2X-earning categories and gave the travel category its own rewards rate. Now, the 2X selectable bonus categories offer more interesting choices for businesses. These now include eligible purchases from U.S. electronic goods retailers and software and cloud system providers, U.S. wireless telephone service providers, eligible transit purchases, U.S. media providers for advertising in select media, U.S. restaurants and U.S. gas stations. 

This diverse selection makes the card a great fit if you’re a business owner with a balanced mix of recurring business and everyday expenses. However, this card may fall short if you’re looking for top-of-the-line luxury perks, and its annual fee may be more than you’re willing to pay. If you don’t think you can offset the annual fee, a card with a lower annual fee could be more suitable.

  • Credit Card Cash Back Icon

    Rewards

    • 4X points on up to $150,000 per calendar year in your top two of six eligible categories (then 1X thereafter; only the top 2 categories each billing cycle will count toward the $150,000 cap)
    • 3X points on eligible travel purchases (including flights and prepaid hotels booked through AmexTravel.com)
    • 1X points on general purchases

    Expert Appraisal: Good  
    See our expert analysis 

  • Rewards Icon

    Welcome offer

    • Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first three months of card membership* 

    Expert Appraisal: Good  
    See our expert analysis 

  • Credit Card Search Icon

    Rates and fees

    • Annual Fee: $375
    • Late payment: $39 or 2.99 percent of any past due amounts not paid in full, whichever is greater
    • Penalty APR: 29.99 percent variable
    • Pay Over Time intro APR offer: 0 percent intro APR for six months from the date of account opening on purchases eligible for Pay Over Time
    • Regular APR: 18.99% - 27.99% Variable APR
    • No foreign transaction fee

    Expert Appraisal: Typical 
    See our expert analysis 

  • Congrats Icon

    Other cardholder perks

    • 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, up to $240 annually. Enrollment required.
    • Monthly statement credit for Walmart+ membership when you pay with your Business Gold Card, up to a $155 annual value.
    • The Hotel Collection (THC) benefits
    • Accidental damage or theft protection 
    • Cell phone protection 
    • Pay Over Time 
    • Baggage insurance plan 

    Expert Appraisal: Good
    See our expert analysis 

Amex Business Gold pros and cons

Pros

  • Checkmark Icon

    You can earn boosted rewards on your top two eligible bonus categories, plus 3X on eligible travel purchases.

  • Checkmark Icon

    If you’re a frequent traveler, it offers beneficial travel benefits and insurance, like trip and baggage delay insurance.

  • Checkmark Icon

    The card’s expense management tools can help you keep up with day-to-day business spending and finances.

  • Checkmark Icon

    It has a flexible spending limit that also allows you to carry a balance with Pay Over Time.

Cons

  • You can only earn the highest rewards rate on two eligible categories — and rewards have a $150,000 annual spending cap.

  • Unlike other premium business cards centered around travel rewards, it has no airport lounge access and few additional luxury perks.

Why you might want the American Express Business Gold

The American Express Business Gold card’s high spending cap for everyday purchases and business categories offers plenty of variety. The card’s welcome offer can offer a lot of upfront value for businesses. There’s also the advantage of Pay Over Time, giving you a flexible credit limit. 

Welcome offer: Valuable points for Amex points enthusiasts

The American Express Business Gold Card offers a promising 100,000 Membership Rewards® points welcome offer after you spend $15,000 on eligible purchases within the first three months of card membership (terms apply). This offer is 30,000 points higher than the previous one, requiring a slightly higher spending threshold and holds a ton of value in the right hands.

American Express Membership Rewards points are extremely flexible and valuable. The Amex Business Gold’s welcome offer could be worth around $1,000 toward eligible flights booked through the American Express travel portal. However, according to our latest points valuation, these points can be worth around $2,000 when transferred to the right American Express transfer partner.

Rewards rate: Amazing travel redemption value 

The rewards process automatically tracks your transactions after each billing cycle to determine which two of the following eligible categories you'll earn rewards in:

  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways.
  • Purchases at U.S. media providers for advertising in select media (online, TV and radio)
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations

You’ll earn 4X points on those two eligible spending categories for up to $150,000 in combined bonus category spending for the calendar year (from six eligible categories). Afterward, you’ll earn only 1X points on those purchases. 

The Business Gold also earns 3X points on flights and prepaid hotels booked through AmexTravel.com. Amex used to include this category as part of its capped spending category, so it's great that you won’t need to factor travel into your spending caps — especially if you travel frequently for business. Other qualifying purchases that don’t qualify for 4X rewards still earn 1X points.

Reward value: Some of the most flexible and valuable points available

The maximum value of the American Express Business Gold Card’s rewards lies with the Membership Rewards point program. You can pool points with other Amex cards in the program or transfer them to travel partner loyalty programs for greater value. Although you can get the best redemption value with transfers, you’ll still retain great value with travel redemptions on AmexTravel.com.

If you want to keep it simple, booking flights through the Amex portal provides the best value, as you get a 1:1 redemption rate.

If you’re looking for maximum value with strategic point transfers, your best bet is to find the right transfer partner to net around 2.0 cents per point. Other travel and non-travel options get you a value of 0.5 to 0.7 cents per point.

Perks: New statement credits can help offset the annual fee 

If you were previously uncertain about applying for the Amex Business Gold, now is a great time to revisit the card. In addition to updated bonus categories, Amex has simplified offsetting the card’s annual fee. 

The Amex Business Gold Card now offers several new statement credit opportunities to help offset the card’s annual fee. You can earn up to $20 in statement credits monthly after using the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub and Office Supply Stores — an annual savings of up to $240. You can also receive a Walmart+ monthly membership reimbursement when you pay with your Amex Business Gold Card. This is valued at $12.95 monthly, which can add up to $155 if you pay for 12 months.

Booking an eligible property within The Hotel Collection through American Express Travel for at least two consecutive nights can also net up to $100 in hotel credits toward qualifying activities (like eligible dining, spa and other resort activities that vary by property).

American Express has also added cell phone protection to its perk lineup. You can receive reimbursement for the lesser of the costs to repair or replace your damaged or stolen cell phone, up to a maximum of $800 per claim. Claims are limited to two approved requests within a 12-month period, provided that your cell phone line is listed on a wireless bill and the previous month's bill was paid using your Business Gold Card.

Why you might want a different business card

Overall, the American Express Business Gold Card offers solid travel and business rewards, but the Amex Business Gold’s benefits aren’t nearly as substantial. You’ll need to rely on rewards category spending to earn enough points to offset the high annual fee, which is easier for some cardholders than others. If your spending won’t push your rewards balance past a total value of $375 annually, you may want to find a more affordable card, even if it has lower rewards rates.

Rates and fees: Possibly difficult to offset the annual fee 

One drawback of the American Express Business Gold Card is its annual fee, which is higher than most business credit card annual fees. While it isn’t as difficult to make up for this annual fee as it once was, thanks to the card’s new statement credit opportunities, these credits may not help your business needs. You can still offset that cost with rewards, but you’ll need to spend a little more than $400 in your 4X categories each billing cycle (based on an estimated point value of around 2.0 cents per point) to earn enough rewards value to offset the annual fee.

That also assumes you can get a high redemption value by transferring to a top airline or hotel travel partner. With a more straightforward redemption method, such as booking travel via the Amex portal, you’ll need to spend around $800 each billing cycle throughout the year in 4X categories to break even with your points (assuming you get a value of 1 cent per point when you redeem for eligible flights on AmexTravel.com).

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Bankrate Insight

You also earn points from employee card spending, which can help offset the card’s annual fee. However, your card shares the same $150,000 spending cap for earning 4X points with employee cards, and your point value drops when you redeem points for options other than travel. Consider setting a company-wide redemption policy with points you accrue through employee spending. 

First-year value vs. ongoing value

The $375 annual fee may seem overwhelming, but it shouldn’t be too difficult to offset if you spend heavily in the card’s 4X categories and take advantage of the card’s statement credits.

The average small-business owner can expect to earn just under $700 in rewards per year via card spending, based on a redemption value of 1 cent per point and our business card value scoring formula, which assumes a $40,000 annual spend. Big spenders who maximize the card’s 4X rewards rate could earn even more — around $6,000 in annual rewards value — by spending $150,000 in the card’s 4X bonus categories with a redemption value of 1 cent per point. 

Here’s a look at how your earnings may unfold in the first year and beyond based on our business card value scoring formula and a redemption value of 1 cent per point:

Benefits and Costs First-year value Ongoing value (no welcome offers)
Yearly rewards +$676 +$676
Welcome offers +$1,000 (Membership Rewards sign-up bonus points redeemed through American Express Travel)
Perks (of monetary value)

+$495 (combined credits for qualifying bookings with The Hotel Collection, Flexible Business Credit, and Walmart+ reimbursement)

+$495 (combined credits for qualifying bookings with The Hotel Collection, Flexible Business Credit, and Walmart+ reimbursement)

Annual fee -$375 -$375
Total value $1,796 $796

We tried it: Here’s what our experts say

Bankrate credit cards writer Ryan Flanigan uses his American Express Business Gold card wisely to fill gaps in spending for big rewards.

I love the flexibility of this card. Based on what I need for my business, I’ll use it to spend in different bonus categories almost every month. The value of the points I earn makes it a keeper for me because I can never have enough Membership Rewards points, and this generates a lot of them. I’m meticulous enough to focus my spending in two categories each month based on my current needs, so I can easily max out this card’s potential. The flexibility of the American Express Business Gold covers many of my needs, making it valuable to my overall card-earning portfolio.

— Ryan Flanigan, Writer, Credit Cards

How the American Express Business Gold Card compares to other business cards

The Amex Business Gold card is a great choice if you have large business expenses that fall into the card’s select bonus categories. But the following options might be better if you’re looking for premier perks, like lounge access or a card with a lower annual fee that still earns decent rewards.

Image of American Express® Business Gold Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

$375

Intro offer

Earn 100,000 points
Info Icon

Rewards rate

1X - 4X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of The Business Platinum Card® from American Express
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

$695

Intro offer

Earn 150,000 points
Info Icon

Rewards rate

1X - 5X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Ink Business Preferred® Credit Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$95

Intro offer

Earn 90,000 bonus points
Info Icon

Rewards rate

1X - 3X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Best cards to pair with the American Express Business Gold

For maximum value, you should only use the American Express Business Gold Card for spending within two of the card’s six bonus categories. When covering the other four categories and purchases that would only earn 1X points, find a rewards credit card that charges no annual fee and offers high rewards on all purchases or in specific categories relevant to your business.

Who is the Amex Business Gold right for?

If you want plenty of opportunities to earn rewards on your business spending, the Amex Business Gold may be right for you. Here’s who should consider this card for their business.

Bankrate’s Take — Is the American Express Business Gold Card worth it?

If you’re a business owner with a large budget and a lot of travel planned, you will find that the American Express Business Gold Card can be worth it. Businesses with dedicated spending in two top eligible bonus categories may easily offset the annual fee while taking advantage of a solid welcome offer, valuable statement credits and a robust portfolio of travel partners.

However, if you’re unsure whether you can offset the annual fee, this may not be the best choice for a business credit card. If you’re an owner with a smaller business budget or have fewer travel needs, you will not reap the full rewards of this credit card.

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

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.

How we rated this card

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50+
Cards rated
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700+
Data points considered
Credit Card Cash Back Icon
10
Spending categories analyzed
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40+
Perks evaluated

Our proprietary card rating system takes into account a mix of factors when scoring business credit cards, including each card’s rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more.

We analyzed over 50 of the most popular business credit cards and scored each based on how its key features stacked up compared to those of other cards in its category.

Here are some of the key factors that gave this card its score:

Frequently asked questions

What cardholders think

Image of American Express® Business Gold Card

American Express® Business Gold Card

4.4 Star Icon
47 ratings
Info Icon
Score breakdown
5 stars
55%
4 stars
30%
3 stars
13%
2 stars
2%
1 star
0%
Score by category
Overall 4.4 / 5
Extra perks 4.3 / 5
Meets financial needs 4.4 / 5
Privacy and security 4.4 / 5
Customer service 4.4 / 5
Online portal or mobile app 4.5 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore American Express® Business Gold Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Exceptional customer service and support.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card, in addition to being highly prestigious and well recognized, provides unique features and benefits to go with a top tier customer service and user friendly digital experience.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
i was able to rack up enough points to go on vacation to chicago to visit my sister.
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It has good rewards
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No only use as a backup
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Membership reward points for travel, cash back , depending on where i shop for office supplies you get back rewards. Easy to spend rewards. Easy to pay bill on line. Never had issues with security or fraud issues. Depending on how much you spend during billing cycle you may get more rewards.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
At the time of applying it gave me good flexibility
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No because it is a business card
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
All the benefits go to my organization and not me personally. Helps with finances
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I like the cash back when shopping
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
best customer service
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Great benefits and rewards
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I trust their protection.
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
American Express has been great during emergencies as well as everyday purchases
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It fits my needs
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Its a everyday spender for me
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Very nice and good
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I earned a higher credit score within just a few months
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I don't use it for experiences
Score by category
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it because I like the rewards and the features it offers me
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I was able to go on vacation because of all the points I had earned
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Their customer service is amazing they're very friendly and very on point I can use the card anywhere it has many many benefits
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it almost daily for business matters.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Used points to travel to Costa Rica in January
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I used this car for it each and everything when I make purchases
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I used American Express for years it's always been part of my everyday life it's one of the companies I trust more than any other one
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
i use it for business
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It's one of the best and can be used anywhere I travel to
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it because it's easy to use and the customer service is pretty good.
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Its not as easy to use, apr is high.
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, it makes purchases easy to keep separate for business needs and taxes
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It has allot of rewards for using and they value their customers
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use another card for airline rewards.
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It's fast and easy to shop online with best security
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Mostly, I use this card for business purposes only so I use it pretty frequently.
Score by category
Extra perks 5 / 5
Meets financial needs 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use it to pay for items regularly
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because it has low interest and easy to use
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have earned points to be able to use on travel which is great for my work trips!
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I get certain benefits such ad discounts on travel expenses
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I chose this card due to a great INTRO offer that came via the mail.
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I only use this card as a back up my primary card is discover.
Score by category
Extra perks 3 / 5
Meets financial needs 3 / 5
Online portal or mobile app 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Like all American Express cards. Very versatile. Helped me out of a tough situation with my friends a while back.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Love the low interest rate
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
so easy to keep track of how much you use
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I've been able to drastically improve my businesses income on being able to purchase the necessities I needed
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Airport marketing & miles
Score by category
Extra perks 3 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
No benefits at all
Score by category
Extra perks 3 / 5
Meets financial needs 2 / 5
Online portal or mobile app 3 / 5
Customer service 2 / 5
Privacy and security 3 / 5
Written by
India Davis
Editor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.
Edited by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.