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American Express Business Gold Card card art
American Express · business gold

American Express Business Gold Card

4.4 / 5
Membership Rewards · Business card

Best for businesses with concentrated, predictable spend that falls into the eligible 4x categories. Heavy users beat the fee comfortably.

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At a glance

Issuer terms
Welcome bonus
70,000 points
Spend $10,000 in 3 months
Annual fee
$375
Year-one and ongoing
Purchase APR
19.49% to 28.49%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

Best for businesses with concentrated, predictable spend that falls into the eligible 4x categories. Heavy users beat the fee comfortably.

Verdict

Pros & cons

Pros

  • 4x on top categories with high cap
  • Transferable Membership Rewards
  • Monthly statement credits offset part of the fee
  • No foreign transaction fee

Cons

  • $375 annual fee is high for a non-premium card
  • No travel insurance package
  • Eligible categories must match your actual spend mix
Earnings

Earn rates

CategoryRateNotes
Top 2 business categories4x points4x on the top 2 of 6 eligible categories each month, up to $150K per year combined.·cap $150,000
Flights & prepaid hotels (Amex Travel)3x pointsOn flights and prepaid hotels via Amex Travel.
All other purchases1x points
Benefits

Key benefits

4x on top business categories

Card auto-picks your top 2 categories each cycle from 6 eligible groups.

Flexible Business Checking credits

Monthly statement credits on FedEx, Grubhub, and Office Supply purchases.

Transferable Membership Rewards

Move points to airline and hotel partners.

Fit

Who this is best for

  • Businesses spending heavily in a few categories
  • Owners who use Amex Travel for booking
  • Companies that can use the monthly category credits
FAQ

Frequently asked questions

What is the Amex Business Gold welcome bonus?
Earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases in the first 3 months.
Does the Amex Business Gold charge an annual fee?
Yes. The annual fee is $375 every year.
Does the Amex Business Gold have a foreign transaction fee?
No. The Amex Business Gold charges no foreign transaction fee, so it works well for international purchases.
What APR does the Amex Business Gold charge?
The purchase APR is 19.49% to 28.49% variable.
Who is the Amex Business Gold best for?
Businesses spending heavily in a few categories. Owners who use Amex Travel for booking. Companies that can use the monthly category credits.
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American Express Business Gold Card

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Rates accurate as of May 15, 2026. Issuer terms.