Amex Business Gold benefits guide

Courtesy of American Express
Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page.

The American Express® Business Gold Card is unique for a few reasons, including the fact that you earn 4X points (up to annual limits) in two distinct categories your business spends the most in each month. This card also lets you rack up points in the American Express Membership Rewards program, which is one of the most versatile and lucrative rewards programs for travel available today.

The Amex Business Gold charges a $295 annual fee, but the first-year welcome bonus and ongoing rewards rate can make paying this fee well worth it. When you add in the Amex Business Gold benefits you receive, it’s easy to see why this card could be the only business credit card you ever need.

Key features of the Amex Business Gold

The American Express Business Gold Card offers generous rewards in the following popular business categories: airfare purchased directly from an airline, 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 costs and U.S. computer software, hardware and cloud systems from select providers. Here are the key features at a glance:

  • Earn 70,000 Membership Rewards points when you spend $10,000 on eligible purchases within three months of account opening
  • Earn 4X points in two categories your business spends the most in each billing cycle (on up to $150,000 in combined purchases per year), 2X points on rental cars booked through and 1X points on all other purchases
  • $295 annual fee
  • Variable APR of 14.24 percent to 22.24 percent
  • Terms apply

Dining and entertainment benefits

The Amex Business Gold comes with American Express Preferred Seating, a complimentary benefit that can help cardholders secure preferred seating at concerts, performances and sporting events. Cardholders can also get presale access to select events before tickets are available to the general public.

Travel benefits

Amex Business Gold travel benefits can make travel safer or easier to book. You’ll receive the following benefits once you’re approved for the card:

Points back on designated airline bookings

If you book a flight through and pay with American Express Membership Rewards points, you get 25 percent of those points back (up to 250,000 points back per year). This benefit is good for any class flight with an airline you select ahead of time or for any first or business class flight.

Global Assist hotline

This hotline can provide you with assistance if you need medical or legal referrals and you’re more than 100 miles from home. Other types of assistance offered include lost passport replacement, help with lost luggage, translation services and more.

Baggage insurance plan

Get coverage for carry-on luggage that’s worth up to $1,250 per covered person when you pay for a trip with your credit card. The card also comes with up to $500 in coverage per covered person when checked baggage is lost during travel on a common carrier vehicle. Other restrictions apply.

Car rental loss and damage insurance

Get secondary auto rental coverage when you pay for your entire car rental bill with your credit card. This coverage is good for rental periods of up to 30 days for covered renters with a cap of $50,000 per eligible rental agreement. Other restrictions apply.

Trip delay insurance

The Business Gold card’s trip delay insurance is good for up to $300 per covered trip, although you’re limited to two claims per 12-month period. Coverage applies when you pay for a trip with a common carrier with your credit card and your trip is delayed 12 hours or more for covered reasons. You can use this coverage to pay for incidental expenses caused by your trip delay, such as meals, hotel stays or toiletries.

Card protection and insurance benefits

Cardholders also receive a handful of benefits that help protect purchases they make.

Purchase protection

American Express purchase protection can provide repair or replacement of eligible items in the event they are damaged or stolen within 90 days of purchase. Coverage is good for up to $1,000 per covered purchase with a cap of $50,000 per calendar year. Cardholders also receive $500 in coverage for each natural disaster.

Extended warranties

Cardholders can also receive one year of additional warranty protection on eligible purchases that come with a manufacturer’s warranty of five years or less. This coverage is good for up to $10,000 per eligible purchase with a total benefit of up to $50,000 per calendar year.

How to maximize the perks and benefits offered by the Amex Business Gold

You can maximize your Amex Business Gold by using it for all your business-related purchases throughout the year, but especially for purchases in bonus categories that will net you 4X points (on up to $150,000 in combined purchases per year), including airfare purchased directly from an airline, purchases related to advertising, U.S. gas stations, U.S. restaurants, U.S. shipping costs and U.S. computer software, hardware and cloud systems from select providers.

Other ways to maximize your rewards include the following:

Combine several Amex credit cards

Consider combining your Amex Business Gold with a few other American Express credit cards that can help you rack up more points. A good option to consider is The Blue Business® Plus Credit Card from American Express since it gives you 2X Membership Rewards points on up to $50,000 in spending per year, then 1X points, as well as an unlimited 2X points on prepaid rental cars booked through There’s no annual fee, so you can easily pair this card and use it for all non-bonus spending on the Amex Business Gold.

You can also consider pairing your Amex Business Gold with any number of consumer American Express credit cards that earn points in the American Express Membership Rewards program. Popular options include The Platinum Card® from American Express and the American Express® Gold Card.

Amex Offers

Also, remember to check your account for Amex Offers, which makes it easy to earn more cash back or rack up more Amex Membership Rewards points on eligible purchases with participating retailers, restaurants, travel brands and more. This free program requires activation per individual offer, meaning you have to keep track of promotions and add them to your card before you can use them.

Amex Gold Business vs. Amex Platinum Business

If you are looking to compare the Amex Business Platinum and Amex Business Gold cards, it’s important to note key differences in the annual fees, reward points and other benefits. The Amex Business Gold has great perks, but it may not be for everyone. For example, cardholders seeking even more travel benefits like comprehensive lounge access may find a better match in the Amex Business Platinum.

It’s important to note that the Amex Business Platinum has a significantly higher annual fee of $695 compared to the Amex Business Gold annual fee of $295. The rewards rate for the Amex Business Platinum card is about 1X more points on flights and prepaid hotels booked through than with the Amex Business Gold card. Both cards offer the same 2X Membership Rewards points on prepaid rental cars booked through

Other travel benefits the Amex Business Platinum offers include up to $200 in airline fee credits each year (in statement credits per calendar year toward baggage fees and more at one qualifying airline), access to more than 40 Centurion Lounges and Studio locations in airports worldwide and even a fee credit for Global Entry or TSA PreCheck. You can also qualify for automatic Gold status in major hotel programs like Hilton Honors and Marriott Bonvoy just by having an Amex Business Platinum card.

Additionally, the Amex Business Platinum was recently named as Bankrate’s best for luxury travel card.

The bottom line

Amex Business Gold benefits can make the annual fee on this card a spectacular deal, especially when you add in the value of the rewards you can earn each year. After all, maxing out the annual $150,000 limit with this card’s 4X bonus categories would net you 600,000 American Express Membership Rewards points over the course of a year. Since Amex Membership Rewards points are worth up to 2 cents each, these bonus categories offer an annual value of up to $12,000.

Still, you should never sign up for the first credit card you come across. Make sure you compare all the other business credit cards American Express offers, as well as business cards from other issuers before you decide.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
Edited by
Senior Editor, Credit Card Product News