The American Express® Business Gold Card is built for growing small-to-medium businesses with fluctuating operational expenses. It automatically adapts to your heaviest monthly spending categories, delivering high rewards without requiring you to manually track rotating bonus categories.
All information about Business Gold has been collected independently by MaxRewards. Business Gold is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
The Hotel Collection requires a minimum two-night stay.
Overview
Adaptive category business spend
Recurring software and tech expenses
Prepaid travel bookings
For businesses with substantial monthly expenses in core operational categories, the American Express® Business Gold Card offers strong value that easily offsets its $375 annual fee. The card automatically targets your top two eligible spending categories each billing cycle to earn 4x Membership Rewards points, up to a $150,000 annual cap. Maximize this limit, and you earn 600,000 points annually, which can be transferred to airline and hotel partners for high-value travel redemptions.
In addition to point earnings, the card features built-in statement credits for business essentials like FedEx, office supply stores, ChatGPT Business, and Squarespace. If your business spends heavily in areas like advertising, tech, or transit, the math works strongly in your favor. However, smaller operations with modest spending or companies seeking flat-rate cash back will find better value in low- or no-fee alternatives.
This card is ideal for businesses that can take full advantage of the 4x spending categories and built-in software credits. Smaller operations with low monthly expenses may struggle to offset the $375 annual fee.
Welcome Offer
after you spend $15,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$2,250
Required Spend
$15,000
Time Frame
3 Months
Est. Value
$2,250
Required Spend
$15,000
Time Frame
3 Months
Earning
The card earns flexible Membership Rewards points with an intelligent 4x multiplier that automatically adjusts to your top two spending categories every billing cycle.
Choice
Up to $150,000 spend per year
Choice
Up to $150,000 spend per year
Air Travel (amextravel.com)
Hotel (amextravel.com)
Everywhere
Rewards percent based on a valuation of 1.5¢ per Membership Rewards point
Annual Credits & Perks
A suite of business and software credits helps lower the net cost of ownership, while travel and shopping protections add peace of mind for daily business operations.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Venue CollectionBenefits
Car Rental Loss and Damage Insurance
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Trip Delay Insurance
If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
Extended Warranty
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Purchase Protection
When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.
Baggage Insurance Plan
Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.
Benefits
The Hotel Collection
Earn 3X Membership Rewards points and receive a $100 credit towards eligible charges¹ when you make a prepaid booking of two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App. ¹Eligible charges vary by property.
Amex Special Ticket Access
Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$375
Purchase APR
17.99% - 28.74%
Variable
Foreign Transaction Fee
None
Questions
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
250,000 Points
Worth $3,750
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
