Our Take
4.6
The bottom line:
American Express® Business Gold Card
on American Express' website
More details from American Express
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Pros & Cons
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
Compare to Other Cards
at American Express | at Chase | at American Express |
Annual fee $375 | Annual fee $95 | Annual fee $695 |
Regular APR 18.99%-27.99% Variable APR | Regular APR 21.24%-26.24% Variable APR | Regular APR 18.99%-27.99% Variable APR |
Intro APR 0% intro APR on purchases for 6 months from the date of account opening | Intro APR N/A | Intro APR N/A |
Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent |
Full Review
The American Express® Business Gold Card is best for small-business owners who:
- Want to maximize rewards earned on business expenses.
- Spend at least $150,000 annually on advertising, gas, restaurants, software, transit or wireless service (in the U.S.).
- Can pay the annual fee.
Key features of the American Express® Business Gold Card
- Advertising purchases for select media (online, TV and radio) at U.S. media providers.
- U.S. purchases made from electronic goods retailers, as well as software and cloud system providers.
- U.S. purchases at gas stations.
- U.S. purchases at restaurants (including takeout and delivery).
- Transit purchases, including rideshare, trains, taxis, ferries, parking, buses, tolls and subways.
- Monthly wireless phone charges made directly from a U.S. wireless phone service provider.
- Aer Lingus (1:1 ratio).
- AeroMexico (1:1.6 ratio).
- Air Canada. (1:1 ratio).
- Air France/KLM (1:1 ratio).
- ANA (1:1 ratio).
- Avianca (1:1 ratio).
- British Airways (1:1 ratio).
- Cathay Pacific (1:1 ratio)
- Delta Air Lines (1:1 ratio).
- Emirates (1:1 ratio).
- Etihad Airways (1:1 ratio).
- Hawaiian Airlines (1:1 ratio).
- Iberia Plus (1:1 ratio).
- JetBlue Airways (2.5:2 ratio).
- Qantas (1:1 ratio).
- Qatar Airways (1:1 ratio).
- Singapore Airlines (1:1 ratio).
- Virgin Atlantic Airways (1:1 ratio).
- Choice Hotels (1:1 ratio).
- Hilton Hotels & Resorts (1:2 ratio).
- Marriott Hotels & Resorts (1:1 ratio).
- Pay Over Time: This is an optional feature that allows you to carry a balance from one month to the next. If you have this option activated, eligible purchases are automatically classified as Pay Over Time.0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.99%-27.99% Variable APR. Although theAmerican Express® Business Gold Carddoes not have a preset spending limit, it does impose a limit on your Pay Over Time balance; any eligible purchases above that limit become Pay In Full. Terms apply.
- Pay In Full: These purchases must be paid off completely each month, so they do not incur interest. All purchases over your Pay Over Time balance limit are Pay In Full. If you choose not to use Pay Over Time, then all purchases are Pay In Full. Terms apply.
- Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub and office supply stores. This can be an annual savings of up to $240. Enrollment required.
- Monthly credit of up to $12.95 (plus applicable taxes) for Walmart+ membership when paid for with your Business Gold Card.
- Secondary rental car coverage in the U.S. and abroad if you pay for the vehicle with yourAmerican Express® Business Gold Cardand decline the collision damage waiver at the rental counter.
- Terms and exclusions apply.
Why you might want the American Express® Business Gold Card
Your spending matches bonus categories
Credit limit flexibility
Potential air-travel points bonus
Why you might want a different card
High annual fee
Spending doesn’t match bonus categories
Middling bonus offer for the price
A lack of premium travel perks
Is the American Express® Business Gold Card right for you?
Terms, fees and disclaimers
- Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
on American Express' website