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American Express® Business Gold Card

Credit Card Offer from our Partner
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using American Express's secure application
Terms & Restrictions Apply See rates & fees
Annual Fee  $295
Best for business spending
35,000 points
Welcome Offer
$700 TPG Valuation*
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Earning Rewards

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **

Why We Like It

The Business Gold Card is certainly not for everyone, but for larger companies looking for a no-hassle one-card strategy that still earns travel rewards, this could be a great option.

Top Benefits

  • • Pay for eligible flight booked with Amex Travel with Membership Rewards points and get 25% of them back, up to 250,000 points back per year

More Information

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
  • 14.24% - 22.24% Variable
  • $295
  • Excellent/Good
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

If you want to earn bonus points on your frequent business expenses, the American Express® Business Gold Card is the best option as it can really drive some great value. The outsized value of 4X Membership Rewards® points in the 2 categories where your business spends the most each month (on the first $150,000 in combined purchases each calendar year) goes a long way in making this one of the best business credit card options in the market.

Essential Reading

Credit card showdown: Amex Business Gold vs. Amex Business Platinum
Credit card review: American Express Business Gold Card
6 Lesser-Known Perks of the Amex Business Gold Card

American Express® Business Gold Card

Point Value
2.0 cents
X
There isn’t a strict mathematical formula at work here. At some point we’d like to create a system that could calculate a precise value based on award availability, fees, award levels and ease of accrual, but for now these valuations are based on a combination of how much TPG would pay to buy points if given the opportunity, and the overall value I could get from redeeming them.
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.