American Express® Business Gold Card

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Best business card for points

Annual Fee:
Purchase Intro APR:
Regular APR:
14.24% - 22.24% Variable
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American Express® Business Gold Card: Details and benefits

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. Additionally, you can earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first 3 months of Card Membership.

As a bonus for frequent business travelers, you’ll receive 25% points back (up to 250,000 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 (see rates and 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.

If your company doesn’t have a large monthly budget, you may find there are better choices tailored to your business needs. 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).


  • 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 purchased 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 35,000 Membership Rewards points after you spend $5,000 on eligible purchases  within the first 3 months of Card Membership.


  • 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.

Is the American Express Business Gold worth it for you?

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 (see rates and fees) with no annual fee, Account Manager access and the American Express® Business App.

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.

Get the most value from the American Express Business Gold

You 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.

How much are the American Express Business Gold rewards worth?

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. That’s worth up to $6,000 when you use Pay with Points through American Express Travel.

How to redeem rewards

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.

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