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.*
Rates, fees & offers
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.
APR: 15.74% - 23.74% Variable APR
Penalty APR: 29.99%, Variable
Foreign transaction fee
Recommended credit score
Editor's overall rating
Pros and cons
No foreign transaction fee
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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.