The American Express® Business Gold Card is unique for a few reasons, including the fact that you can earn 4X points (on up to $150,000 per year) 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 offer and ongoing rewards rate can make paying this fee well worth it. When you add in the Amex Business Gold benefits you’ll receive, it’s easy to see why this card could be the only business credit card you’ll ever need.

Highlights of the Amex Business Gold

Here are the card’s key features at a glance:

  • Welcome offer: Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within three months of account opening
  • Rewards rate: 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 American Express Travel
  • Annual fee: $295
  • Regular APR: 16.49 percent to 24.49 percent (variable)

The Amex Business Gold card’s generous 4X points on purchases in popular business categories include:

  • 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
  • U.S. computer software, hardware and cloud data purchases made directly from select providers

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.

As an Amex cardholder, you’ll also be able to take advantage of American Express Experiences, which includes access to invitation-only and early-access events. Events include music, theater, sports, dining, fashion and more.

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’ll get 25 percent of those points back on eligible flights (up to 250,000 points back per year), which is a value of 1.25 cents per point. 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’re more than 100 miles from home and you need medical or legal referrals. 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 (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 Amex 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 when eligible trips are delayed for 12 hours or more. 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 will repair or replace 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 account per calendar year. Cardholders also receive $500 in coverage for natural disasters.

Extended warranties

Cardholders 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 (up to $50,000 per card per calendar year).

How to maximize Amex Business Gold perks and benefits

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

Other ways to maximize your rewards include pairing Amex cards and taking advantage of Amex Offers.

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, which comes with no annual fee. You can easily pair this card and use it for all non-bonus spending on the Amex Business Gold. It provides 2X Membership Rewards points on up to $50,000 in spending per year, then 1X points, as well as unlimited 2X points on prepaid rental cars booked through

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.

Take advantage of Amex Offers

Check your account regularly for Amex Offers so you can earn more rewards 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 Business Gold vs. Amex Business Platinum

If you are looking to compare the Amex Business Gold and The Business Platinum Card® from American Express, it’s important to note that the key differences include the annual fees and reward points, among 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 travel-related credits and comprehensive lounge access may find a better match in the Amex Business Platinum.

The Amex Business Platinum has a significantly higher annual fee of $695 compared to the Amex Business Gold, which has an annual fee of $295. Additionally, you’ll earn more rewards with the Amex Business Platinum:

  • 5X Membership Rewards points on flights and prepaid hotels booked with
  • 2X points on prepaid rental cars booked through
  • 1.5X points per dollar spent (on up to $2 million per calendar year) on both purchases of $5,000 or more and on select category purchases (electronics goods, retailers, software, and cloud service providers; construction materials and hardware supplies; shipping providers)
  • 1X points on all other purchases

With both cards, you’ll earn the same amount on rental cars and all non-bonus purchases. With the Amex Business Platinum, you’ll earn more on travel, but you may earn less on select category purchases. The Amex Business Platinum, on the other hand, offers a number of credits and travel perks that the Amex Business Gold doesn’t offer, which will help you to recoup that high annual fee. Some of these credits and perks include:

  • Up to $550 in statement credits for booking with a Fine Hotels and Resorts property
  • Up to a $400 statement credit on Dell purchases (up to $200 semi-annually)
  • Up to $250 in statement credits for eligible stays at The Hotel Collection properties
  • Up to $200 in airline fee credits each year (in statement credits per calendar year toward baggage fees and more at one qualifying airline)
  • Up to a $189 statement credit for a CLEAR® airport security membership
  • Up to a $100 statement credit for Global Entry or TSA PreCheck
  • Access to more than 40 Centurion Lounges and Studio locations in airports worldwide
  • Complimentary Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status

In comparison, the Amex Business Gold only offers up to $250 back in combined credits for qualifying bookings with The Hotel Collection. Regardless, if you spend a lot in the Amex Business Gold bonus categories that earn 4X points, you could earn plenty in rewards to offset the annual fee.

Ultimately, although the Amex Business Platinum is considered one of the best luxury travel cards, the business card that’s best for you really depends on which categories you’ll spend the most in and whether you’ll take advantage of enough perks and benefits to recoup the annual fee.

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 of the other business credit cards American Express offers, as well as business cards from other issuers, before you decide.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company.