Check Your Statements: Amex Business Gold 4x Bonus Points Not Posting Correctly
Update: Some offers mentioned below are no longer available. View the current offers here.
When American Express redesigned the American Express® Business Gold Card, one of the biggest highlights was the addition of "intelligent" bonus categories. Instead of earning extra points in fixed categories, Amex recognizes that your business expenses may vary month to month.
Business Gold card holders earn 4x points in their top two spending categories each month from the following list (on the first $150,000 in combined purchases each calendar year; then 1x), and 1x point everywhere else:
- Airfare purchased from airlines
- US purchases for advertising in select media
- US purchases for shipping
- US purchases at gas stations
- US purchases at restaurants
- US purchases made from select technology providers
These categories are automatically calculated by Amex each month, allowing your business to earn the most possible rewards without putting in any extra work. However, Doctor of Credit is reporting that bonus points have not been posting correctly for statements that closed mid-April or later. A number of readers in the TPG lounge are reporting the same problem: Their Business Gold cards are earning 1x on all purchases, but not the additional 3x they should be earning in select bonus categories.
According to Doctor of Credit, Amex is aware of this issue but hasn't fixed it yet. In the meantime, readers have reported success calling in and asking for a manual adjustment of their points, though that can take a while to post (and completely defeats the "hands-off" approach to the Business Gold's earning structure). (This issue may be resolved).
While it's easy to adopt a "set it and forget it" mentality when it comes to your points accumulation, this should serve as a reminder that it's always important to double-check that you actually received all the points you should have. Whether it's Marriott and its glitchy IT, an online shopping portal (that may not always track correctly) or even your credit card bonus categories, it's worth spending a few minutes at the end of each month auditing your points balances and making sure everything has posted correctly.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees