American Express® Business Gold Card

American Express® Business Gold Card

on American Express's website, or call (866) 512-6673

American Express® Business Gold Card

American Express is a NerdWallet Partner

American Express® Business Gold Card

American Express® Business Gold Card

on American Express's website, or call (866) 512-6673

Card details

  • 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.*

  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*

  • *Terms Apply

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $295

  • Rewards rate

    1x-4x

  • Bonus offer

    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.* 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

NerdWallet review

By Robin Saks Frankel

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 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.* 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.