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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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5 lesser-known perks of the Amex Business Gold Card
Ethan's been a frequent flier for as long as he can remember, from studying abroad in Paris to moving to Shanghai after graduating college, where he served as TPG's eyes and ears for all things travel in the Asia-Pacific region. If you asked him where he wants to travel next he'd quote Anthony Bourdain and tell you "anytime I'm eating spicy noodles in a bowl, I'm happy."
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
also contributed to this story
March 28, 2025 • 7 min read
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Quick summary
A business rewards card offers several lesser-known perks beyond its core earning structure, including flexible payment options and robust account management tools.
Cardholders can access features like employee expense cards, receipt management, and integration with accounting software, as well as vendor payment solutions with limited complimentary access.
Travel benefits include credits for select hotel bookings, potential room upgrades, and targeted offers for savings or bonus rewards at specific merchants.
Additional protections cover car rentals, baggage, purchases, extended warranties, and cellphone protection, with defined coverage limits and eligibility requirements.
What to consider
Enrollment may be required for select benefits, and terms or restrictions can apply to insurance coverages and hotel perks.
Some features, such as adding employee cards or vendor payment solutions, may incur additional fees after introductory periods or for higher usage.
Coverage limits and exclusions apply to insurance benefits, including geographic restrictions and deductible amounts for certain claims.
What you'll miss from the article
A detailed breakdown of each lesser-known benefit, including eligibility nuances and how to maximize business card features for travel and purchase protection.
Generated by AI with support from our editorial team.
The American Express® Business Gold Card has a few well-known (and well-advertised) perks, including 4 points per dollar on your top two spending categories each billing cycle from a selection of eligible categories (up to the first $150,000 in combined purchases, then 1 point per dollar).
The card's welcome offer is sizable, too: new cardmembers can find out their offer and see if they are 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.
Still on the fence because of the Amex Business Gold's steep $375 annual fee (see rates and fees)? Here are five lesser-known perks that could sell you on the Amex Business Gold. Enrollment is required for select benefits; terms apply.
ALEKSANDERNAKIC/GETTY IMAGES
The Amex Business Gold also offers cellphone protection when you pay for your cellphone plan with your card****. This plan covers stolen or damaged cellphones, up to $800 per claim, with a limit of two claims in a 12-month period. Claims are subject to a $50 deductible.
***Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
****Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
Bottom line
The Amex Business Gold clearly targets high-spending businesses looking for a simple, rewarding strategy that doesn't involve managing multiple cards or carefully studying and maximizing benefits.
If this is going to be your primary card, these lesser-known perks can add a ton of value and simplicity to your life. From tools to help your business track expenses to insurance policies in the event that your trip goes wrong, there's more to the Amex Business Gold than meets the eye.
For rates and fees of the American Express Business Gold Card, click here.
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.
