American Express® Business Gold Card

American Express® Business Gold Card

on American Express's website

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

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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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$295

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.24% - 22.24% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Robin Saks Frankel

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.