Amex Business Gold 75,000-point welcome offer available via referral

Nov 8, 2019

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Most of the time it doesn’t matter how you apply for a credit card, as you’ll get the same welcome bonus either way. But one of the big exceptions to this rule is American Express, which has been known to offer different welcome bonuses through different marketing channels. Sometimes you can get a higher bonus by using the CardMatch tool, sometimes your IP address or browser history might get you targeted for a better bonus and sometimes it’s possible to get elevated bonuses by having a friend refer you to the card you want.

As reported by Doctor of Credit, it’s currently possible to get a 75,000 point welcome bonus on the American Express® Business Gold Card via referral. Based on the terms of that referral offer, new applicants will earn 50,000 Membership Rewards points after spending $5,000 on purchases in the first 3 months, and an additional 25,000 points after spending $10,000 total in the first 3 months. TPG values Membership Rewards points at 2 cents each, making this full bonus worth $1,500. This offer is subject to change at any time.

This would be a great offer all by itself, but it really stands out in comparison to the public offer on this card, which is currently only for 35,000 points after spending $5,000 on purchases in the first 3 months. Of course, you’ll need a friend to refer you to get the elevated 75,000-point offer, but if you don’t have any friends who have the Business Gold, no need to worry. Amex allows you to refer from almost any of its credit cards to almost any other card, meaning your friend could refer you from their the Business Platinum Card® from American Express and you can still apply for the elevated offer on the Business Gold card.

The Amex Business Gold card was refreshed in late 2018 refresh — it now earns 4x points in the two categories you spend the most in each month from the following list:

  • Airfare purchased from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases made from select technology providers

Amex will automatically calculate these categories each month, meaning you can focus all your attention on your business and still receive the maximum possible rewards if your spending patterns shift over time. The 4x earning is limited to your first $150,000 in annual spending in the 4x categories, with the card earning 1x point per dollar on all other purchases.

As a reminder, TPG does not allow readers to share their own referral links in the comment section. Any links placed in the comments below will be removed.

American Express® Business Gold Card
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More Things to Know
  • 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**
  • **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 to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees
Intro APR on Purchases
Regular APR
14.24% - 22.24% Variable
Annual Fee
Balance Transfer Fee
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