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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
This business rewards card offers strong earning potential in select spending categories for high-volume businesses.
Lesser-known benefits include flexible payment options, robust account management tools and valuable travel perks.
Cardholders can access insurance for car rentals, baggage, purchases and cellphones, as well as extended warranty coverage.
Additional features such as targeted offers and hotel benefits add value for frequent travelers and business owners.
What to consider
Enrollment is required for certain benefits and some features have usage limits or eligibility restrictions.
Travel insurance coverage is secondary and subject to exclusions by country, vehicle type and other factors.
Purchase and cellphone protection have claim limits, deductibles and specific eligibility requirements.
What you'll miss from the article
A detailed breakdown of lesser-known perks and how to maximize them for business and travel needs.
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.
