LTO: American Express Business Gold Offers 75,000 Membership Rewards Points

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From now until January 28th, the American Express Business Gold card is offering a 75,000-point signup bonus when you spend $10,000 in the first three months. The Gold Card is a charge card, meaning you pay off your balance every month, and it earns 3 points per $1 spent on airfare, 2 per $1 spent on gas, shipping and some media advertising, and 1 per $1 spent elsewhere. It does come with a $175 annual fee, but the fee is waived the first year, and in any case the killer signup bonus more than makes up for it. 75,000 points – that’s a cool $750 of free money, the best of any business credit card bonus at present. But remember – it’s only going on until the 28th, so act quickly!

Should I get the Amex Business Gold?

You should apply for the Business Gold if you:

Want to take the bonus and run – that is, spend $10k in 4 months, collect your winnings, and close the account before paying the annual fee.

Spend more on airfare than on office supplies. If you tend to spend money at Office Depot and so forth, the Chase Ink Bold offers 5x rewards on office supplies, up to $50k spent annually. On the other hand, the Bold’s signup bonus is only Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening.

Don’t carry a balance month-to-month. The Gold is a charge card, so you pay your balance in full.

In short: Travelers, rewards hackers and those looking for free money – you’ve found your place.

When shouldn’t I get the Amex Business Gold?

The Gold isn’t for everyone. In particular, you might be better off with another small business card if you:

Use the card internationally. The Gold has a 2.7% foreign transaction fee, which can take a big chunk out of whatever you spend abroad. No foreign transaction fee alternatives include the Capital One Spark cards and Chase Ink Bold.

Purchase office supplies more than you travel. In that case, look to the Chase Ink cards – the Ink Cash and Classic give 5x rewards on office supplies up to $25k a year and have no annual fee, while the Ink Bold and Plus give 5x rewards up to $50k and have a $95 annual fee (waived the first year).

Carry a balance. If you need your card for working capital do not get a charge card. It’ll cost you dearly. Instead, the Ink Cash and Classic give 12 months of 0% interest.

Like to travel in luxury. If it’s perks you’re after, the American Express Business Platinum offers lounge access, a $200 annual airline fees credit, and more. Don’t let the $450 annual fee fool you – if you’re a business traveler, its value well exceeds its cost.