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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Why the Amex Business Gold has become my go-to card for my business expenses
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
A business rewards card offers automatic bonus categories that adapt to your company's top spending areas each billing cycle, reducing the need to track categories manually.
Points earned can be redeemed flexibly for travel, transferred to airline and hotel partners, or used for statement credits and other options.
Statement credits are available for select merchants and services, including food delivery, office supplies, shipping, and AI tools, which can help offset the card's cost.
The card is valued for its simplicity, adaptability to changing business expenses, and multiple redemption choices.
What to consider
Bonus rewards apply only to the first $150,000 in combined purchases in eligible categories per calendar year, after which a lower rate applies.
Statement credits require enrollment and are limited to specific merchants and services, with monthly and annual maximums.
Redemption values can vary significantly, especially when transferring points to travel partners; TPG's June 2026 valuation pegs these points at 2 cents each.
What you'll miss from the article
A detailed breakdown of how automatic bonus categories, flexible redemptions, and statement credits combine to maximize value for business owners.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
There’s no shortage of business cards to choose from if you’re trying to earn rewards for your company's everyday purchases.
Between the card's automatic bonus categories, flexible Membership Rewards points and statement credits that help offset the annual fee, I've found that the Amex Business Gold fits the way my business actually spends money.
Here are the three reasons I keep reaching for it.
I never have to think about bonus categories
One of the biggest reasons I use this card so often is that I don't have to constantly track which spending category is earning the most rewards.
Throughout the year, my business expenses change dramatically.
Some months, I’ll take clients out on the town and spend a lot on dining. Other months, I'm buying laptops and tablets for the office.
The card earns 4 Membership Rewards points per dollar spent on the two eligible categories where your business spends the most each billing cycle.
The six eligible categories include:
Advertising purchases with U.S. media providers
U.S. purchases from electronic goods retailers and software/cloud providers
U.S. restaurant purchases, including takeout and delivery
U.S. gas station purchases
Transit expenses such as rideshares, parking, tolls, trains, and subways
Wireless telephone service charges from U.S. providers
The bonus earnings apply to the first $150,000 in combined purchases in those categories each calendar year. After the initial $150,000, all other purchases will earn 1 Membership Rewards point per dollar spent with the card, regardless of category.
Instead of having to activate categories or change my spending habits, I know the card automatically rewards the areas where my business is already spending the most.
For busy business owners, that's one less thing to think about.
Of course, earning points on the Amex Business Gold Card is only half the equation. You also need to be able to use them.
One of the reasons I keep coming back to Membership Rewards points is their flexibility. These points can be redeemed for travel, transferred to airline and hotel loyalty partners, used for statement credits, gift cards, and other redemption options.
I generally stick to two options.
If I need to stretch the company’s dollar a little further, I can use the points to offset the cost of a flight or a hotel room via the Amex Travel portal. That means all the points I earn from my day-to-day expenses are scoring me a big discount on my next trip.
But where I usually get the most value is by transferring points to airline partners.
An Air France aircraft in Paris. SEAN CUDAHY/THE POINTS GUY
I frequently transfer Membership Rewards points to programs like Delta Air Lines, Virgin Atlantic Flying Club, Air Canada Aeroplan or Air France-KLM. Using my points in this way means that we can fly almost anywhere in the world for only the taxes and fees associated with those award flights.
Recently, I redeemed 9,000 Virgin points for a business-class flight on Air France between Biarritz and Marseille, France. I paid just €72 in taxes and fees for a ticket that would have otherwise cost €612, giving me a redemption value of 14.6 cents per point — far above TPG's June 2026 valuation of 2 cents per Membership Rewards.
That's the type of redemption that reminds me why I like earning Membership Rewards points in the first place.
The Amex Business Gold card carries a $375 annual fee (see ), so it's important that I'm getting value beyond just rewards earning.
It includes up to $240 per calendar year in statement credits (up to $20 monthly) for U.S. purchases at Grubhub, office supply stores and shipments at UPS.com (enrollment required).
Those are merchants my business already uses regularly. If I'm shipping something through UPS, this will help with that charge, or I can treat myself to a business lunch once a month via GrubHub. It’s easy enough to do since I know that it’s there each and every month.
PHOTO COURTESY OF GRUBHUB
The card also comes with up to $155 per calendar year in statement credits (up to $12.95 plus applicable taxes monthly) for one Walmart+ membership (Plus-Ups excluded; subject to auto-renewal; enrollment required).
Whether I'm ordering office supplies or other items I need delivered quickly, free shipping with no minimum comes in handy.
Artificial intelligence tools are becoming part of everyday business operations, from translating emails to a foreign language to automating repetitive tasks.
If your U.S. business is already paying for ChatGPT, receiving a statement credit for a service you're already using can represent meaningful savings.
Taken together, these credits can go a long way toward reducing the card's effective annual cost.
If you're considering adding the Amex Business Gold Card to your wallet, the current welcome offer makes it an especially compelling time to apply.
New Amex Business Gold cardmembers can find out their offer and see if they're eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
According to TPG's valuations, this welcome offer is worth up to $4,000.
ERIC ROSEN/THE POINTS GUY
That's enough points for multiple domestic flights, premium-cabin award tickets or thousands of dollars in travel when redeemed strategically.
Given how much value I've gotten from Membership Rewards points over the years, a welcome bonus of that size can provide a significant head start toward your first redemption.
The card automatically rewards the areas where my business spends the most money, I have plenty of ways to redeem my points and the statement credits help offset the annual fee. For me, that's a winning combination.
I appreciate having a card that earns strong rewards without requiring me to constantly think about how I'm using it.
