New AmEx Business Gold Card Tailors Rewards to Expenses

The card will automatically change bonus categories each month based on cardholder spending patterns.
New AmEx Business Gold Card Tailors Rewards to Expenses

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American Express is getting personal with its newest small-business card. The , with an annual fee of , will automatically change cardholders' bonus categories each month based on their spending patterns.

If the card name sounds familiar, it's because there's also The Business Gold Rewards Card from American Express OPEN. That card is no longer accepting new applications, although existing customers can still use it or request a  to the , according to Courtney Kelso, head of U.S. commercial card products at American Express.

The new metal card earns 4 points per dollar spent in two bonus categories from the following six where cardholders spend the most each billing cycle (up to the first $150,000 in combined purchases per year; then 1 point back):

Other spending earns 1 point per dollar spent. Terms apply (see ).

“Card members do not have to manage on a month-to-month basis where they're going to earn the most,” Kelso says. “It's automatically calculated for them."

The also offers:

The card also features the following welcome bonus:

The joins a growing list of cards that offer some variation of tailored-for-you rewards. Other similarly structured options include the  and the .

AmEx also experimented with the , which is no longer available as of July 2019. It paid 5% cash back on the first $50,000 spent on eligible U.S. wireless telephone services, 3% cash back on the first $50,000 spent in the category of your choice from a list of eight, and 1% cash back on other purchases.

A notable difference between that card and the  was that with the , you could choose only once per year which category you wanted for the 3% earnings rate. The  will automatically adjust each month based on your spending.

To view rates and fees of the , see .

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