American Express® Business Gold Card
on American Express's website
American Express® Business Gold Card
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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
Bonus categories
Transfer partners
Luxury perks
Bonus categories
Cons
Has annual fee
Complicated rewards
Spending caps on bonus rewards
Requires good/excellent credit
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.
