American Express® Business Gold Card
on American Express's website
American Express® Business Gold Card
American Express is a NerdWallet Partner
Card details
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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. 1X is earned for other purchases. **
**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 with interest to help manage cash flow on purchases of $100 or more.*
*Terms Apply
Rates, fees & offers
Annual fee
$295
Rewards rate
1x-4x
Bonus offer
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Intro APR
N/A
Ongoing APR
APR: 14.24% - 22.24% Variable APR
Penalty APR: 29.24%, Variable
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual Fee$295 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR15.99% - 22.99% Variable APR | ||
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Rating details
3.5
Editor's overall rating
Pros and cons
Pros
No foreign transaction fee
Cons
Has annual fee
The American Express® Business Gold Card offers elevated rewards in your top two spending categories each month, from a list of six. Terms apply.
Your top spending categories are calculated automatically; there's no need to opt in or keep track yourself. It also comes with some sweet perks, including a generous welcome offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Here's the catch: The annual fee of $295 is hefty when compared with other similar business cards. And if your spending patterns don't align with the six areas that are eligible for those bonus rewards — or if you're looking for specific benefits like a 0% intro APR offer or elite travel perks — you might be better off with a different option.
For more information, see NerdWallet's full review of this card.
