Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details

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.

Compare featured offers

At a glance

Welcome bonus: 200,000 points; Spend $15,000 in 3 months
Annual fee: $375; Year-one and ongoing
Purchase APR: 17.74% to 28.49%; No intro APR
FX fee: None

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

Category	Rate	Notes
Top 2 business categories	4x points	4x 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 points	On flights and prepaid hotels via Amex Travel.
All other purchases	1x points

Benefits

Key benefits

4x on top business categories

Card auto-picks your top 2 categories each cycle from 6 eligible groups, up to $150K per year combined.

Monthly business credits

One $20 monthly statement credit shared across FedEx, Grubhub, and Office Supply purchases, up to $240 per year.

New for 2026

$300 annual ChatGPT Business credit and $150 annual Squarespace credit.

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 as high as 200,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months. Offers are personalized and vary by applicant.

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 17.74% 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.

Similar