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Amex Business Gold gets a heightened welcome offer, including up to $300 in credits

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American Express has announced limited-time updates to the American Express® Business Gold Card, bringing an exceptionally heightened welcome bonus offer and statement credit-earning opportunities.

Now through April 7, 2021, Amex Business Gold cardmembers can earn up to 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of card membership. Additionally, cardmembers can get up to $300 in statement credits: up to $150 back on eligible U.S. advertising purchases and up to $150 back on U.S. shipping purchases (made within the first three months).

The Business Gold’s sister (consumer) card, the American Express® Gold Card, currently offers a 60,000-point welcome bonus after you spend $4,000 in purchases within the first six months. This is in addition to its recently launched Uber Cash benefit, which includes up to $120 in Uber Cash annually ($10 a month).

If you’re interested in earning either of these offers, keep reading for information on both the Amex Business Gold and its consumer card counterpart.

Amex Gold vs. Amex Business Gold

As a reminder, here’s a breakdown of the rewards structure, welcome bonus, APR, annual fee and other perks of both the Amex Gold and Business Gold:

Features Amex Gold Card Amex Business Gold
Rewards rate
  • 4X Membership Rewards® points on restaurants, including takeout and delivery in the U.S.
  • 4X points for Uber Eats purchases and at U.S. supermarkets (on up to $25,000 in purchases per year, then 1X points)
  • 3X points on flights
  • 2X points on rental cars booked via
  • 1X points on all other purchases
  • 4X points on up to $150,000 per year in two select categories your business spends the most in each billing cycle
  • 2X points on rental cars booked through
  • 1X points on all other purchases
Welcome bonus Earn 60,000 Membership Rewards points after spending $4,000 in purchases within first six months
  • As a limited-time offer, earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months (terms apply)
  • Also, earn up to $300 in statement credits on purchases made within the first three months: up to $150 back on eligible U.S. advertising purchases and up to $150 back on U.S. shipping purchases
APR 15.99 percent to 22.99 percent variable APR 14.24 percent to 22.24 percent variable APR
Annual fee $250 $295
Other perks
  • Rose Gold card art option
  • Up to $120 in annual dining credits (up to $10 in credit per month) on eligible Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and Shake Shack purchases (enrollment required)
  • Up to $100 hotel credit with The Hotel Collection
  • Up to $120 in annual Uber Cash (up to $10 per month in Uber Cash, expiring at the end of the month) toward U.S. Uber rides and U.S. Uber Eats orders
  • 25% points back (up to 250,000 points back per year) on eligible flights booked with
  • Business tools such as year-end summary and Vendor Pay by
  • Stay at least two consecutive nights with The Hotel Collection (when you book via Amex Travel) and earn a up to a $100 hotel credit

The Business Gold’s 4X category (on up to $150,000 per year in two select categories) includes:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV and radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. shipping purchases

What are the values of each Amex Gold credit card?

According to The Points Guy’s monthly points and miles valuations, American Express Membership Rewards are worth 2 cents apiece when redeemed toward travel—but if you’d rather redeem your Membership Rewards for other purchases, you can utilize Amex’s rewards calculator to work out your earnings potential.

This means if you receive your Business Gold Card’s welcome bonus of 70,000-points (after spending $10,000 on eligible purchases within the first three months), it could be worth as much as $1,400 when redeemed toward travel; the Amex Gold Card’s bonus could be worth as much as $1,200 toward travel.

While the Amex Business Gold technically offers a higher welcome bonus strictly in terms of point-earning potential, the Amex Gold’s welcome bonus is nothing to snicker about. And thanks to the new limited-time statement credits offered from the Amex Business Gold, both cards now offer a wealth of credit-earning opportunities.

Who is eligible for the Amex Business Gold welcome offer?

To get the Amex Business Gold Card’s new welcome offer, you’ll need to be a new cardmember and apply with a good to excellent credit score (670 to 850). If you’ve owned and closed an Amex Gold or Business Gold Card in the past, you won’t be eligible to earn the welcome offer.

Is either Amex Gold credit card right for you?

If you have an excellent credit history and are in the market for either a rewards credit card with an emphasis on dining and travel or a business credit card that rewards you on select business category purchases, the Amex Gold and Business Gold might be good options. Bear in mind they both charge relatively high annual fees ($250 for the Amex Gold and $295 for the Business Gold), but these can be canceled out by utilizing all the cards’ perks and statement credit-earning opportunities.

Written by
Claire Dickey
Editor, Product
Claire Dickey is a product editor for Bankrate, and To Her Credit. Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer.