American Express® Business Gold Card

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Good to Excellent (670 - 850)

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Best business card for points

Annual Fee:
Purchase Intro APR:
Regular APR:
16.24% - 24.24% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Commonly used for: Auto Rental Insurance, Business, EMV, Excellent Credit, Extended Warranty Program, Lost Luggage Reimbursement, Mobile Pay Ready, No Foreign Transaction Fees, Points, Purchase Protection, Rewards, Travel, Travel Accident Insurance, Zero Fraud Liability.

The unique rewards structure of the American Express® Business Gold Card is highly appealing to businesses that spend a large portion of their budget on specific categories. In short, it allows you to maximize rewards in the categories where you spend the most.


With the American Express Business Gold Card, you’ll also earn 4X points on up to $150,000 per calendar year in combined purchases in two of the six following categories where your business spends the most each billing cycle:

  • Airfare purchased directly from airlines
  • Advertising (purchased in the U.S. to promote your business online, on TV or on the radio)
  • U.S. gas stations
  • U.S. restaurants
  • U.S. shipping
  • U.S. computer hardware, software and cloud computing purchases made directly from select providers

After spending a combined $150,000 in the two select categories each calendar year, you earn 1 point per dollar. You’ll also earn 1X points on all other purchases, and there is no limit on how many total points you can earn.

As a bonus for frequent business travelers, you’ll receive 25% points back (up to 250k points each year) after redeeming your Membership Rewards® points on an eligible flight booked through the Amex Travel portal. Amex has always been a favorite for travelers because of the wide range of perks available while you’re on the road or in the air. In addition to no foreign transaction fees, the card offers access to travel discounts and amenities when you enroll in The Travel Collection.

This card does have a $295 annual fee, but you can easily recoup that cost by spending around $3,700 just in your two 4x rewards categories each year. For rates and fees of the American Express® Business Gold Card, please click here.

For a limited time, you can earn up to $500 back in statement credits by purchasing qualifying services with FedEx using your card. To receive these credits, purchases must have been made within the first 3 months of card membership (offer ends November 6, 2019).

If your company doesn’t have a large monthly budget, you may find there are better choices tailored to your business needs. Look elsewhere, as well, if you plan to carry a balance frequently. Business Gold Rewards is a charge card, meaning you’re supposed to pay it off every month. Amex does offer a “Pay Over Time” feature that allows eligible cardholders to carry a balance and accrue interest. The card also boasts no pre-set spending limit based on your creditworthiness and other factors (terms apply).

Who should get this card

Small business owners who spend heavily in the areas available for 4x points may like the flexibility of this card’s rewards system. Small business owners will also enjoy the expense management tools that come with card ownership: Quickbooks integration, an Employee Card option with no annual fee (See Rates & Fees), Account Manager access and the Spend Manager℠ feature. For rates and fees of the American Express® Business Gold Card, please click here.

If you travel often for business, this is also a great card option for you. Between American Express travel perks and the high-yield rewards program, you can save hundreds if not thousands of dollars on travel expenses every year.

  • Earn 4X points on up to the first $150,000 spent in two of six spending categories that your business spends the most on each billing cycle (airfare purchase directly from airline, U.S. advertising, U.S. gas stations, U.S. restaurants, U.S. shipping, or select U.S. computer equipment and supplies) and 1X back in all other purchases.
  • There is no cap on how many total points you can earn.
  • Earn up to $500 back in statement credits by purchasing qualifying services with FedEx using your card (within first 3 months of card ownership, offer ends November 6, 2019)
  • There’s a $295 annual fee.
  • The 4x bonus categories are capped at $150,000 per year in combined purchases, so if your company spends in excess of that amount, you might be better off with a card that has a different rewards structure.
  • This card is a charge card, meaning all purchases under $100 have to be paid for in full each month.

Fees and APR

  • $295 annual fee.
  • No foreign transaction fees.
  • You can enroll in the “Pay Over Time” feature for purchases over $100, with a variable APR of 16.24% – 24.24% Variable.
  • $39 or 2.99% of any past due Pay In Full amount, whichever is greater.
  • $39 for returned payments.
  • Penalty APR of 29.99% when it applies.
  • For rates and fees of the American Express® Business Gold Card, please click here.

Extras, perks and using points

If your business spends the max $150,000 in the combined 4x categories, you can earn 600,000 points each year from those expenses alone. With American Express’ flexible redemption options, you can use your Membership Rewards® points to pay for travel, as a statement credit or to pay for gift cards or select online purchases.

You also can’t deny that American Express offers some great travel perks for their business cardholders, including Premium Roadside Assistance, Baggage Insurance, Car Rental Loss and Damage Insurance, Travel Accident Insurance and access to the Global Assist® Hotline.

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