American Express launches the new American Express® Business Gold Card

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American Express has announced the launch of the American Express® Business Gold Card. The new card gives cardholders four points per dollar on the top two categories where their businesses spend the most each month, on the first $150,000 each calendar year. All other purchases earn one point per dollar.

According to Courtney Kelso, head of U.S. commercial card products at American Express, “We understand that business owners want a simple way to earn rewards that are customized to the way they do business.”

The bonus rate is offered in the following spend categories:

  • Airfare purchased directly from airlines
  • U.S. purchases at restaurants
  • U.S. purchases for advertising in select media (online, TV and radio)
  • U.S. purchases at gas stations
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases for shipping

The Business Gold card also offers a variety of perks, including a 25-percent bonus on eligible airline purchases booked through American Express Travel using Membership Rewards Pay with Points, as well as the option to pay for large purchases over time with interest. 

Comparing AmEx Business Gold cards

You may be wondering what the differences are between the new American Express Business Gold Card and the previous Business Gold Rewards Card from American Express OPEN. For starters, the cards offer different rewards rates, annual fees and welcome bonuses.

See how they compare in the table below.

  New offer Previous offer
Card name
American Express® Business Gold Card

The Business Gold Rewards Card from American Express OPEN
Rewards rate
  • 4 points per dollar on 2 categories where your business spends the most each month (on first $150,000 in combined purchases each calendar year)
  • 1 point per dollar on general purchases
  • Terms apply
  • 3 points per dollar on category of your choice (on first $100,000 in purchases yearly)
  • 2 points per dollar on 4 remaining bonus categories (on first $100,000 in purchases yearly)
  • 1 point per dollar on general purchases
  • Terms apply
Introductory bonus
  • Up to 1 year free of G Suite Basic for 3 users
  • Up to 1 year of ZipRecruiter Standard
  • Terms apply
  • 50,000 points if you spend $5,000 in first 3 months
  • Terms apply
Annual fee $295 $175, waived first year

As you can see, while the new Business Gold card offers a higher rewards rate, it also offers a substantially higher annual fee and does not provide a 50,000-point introductory bonus. That said, with the addition of the free G Suite Basic and ZipRecruiter Standard one-year memberships – which, according to American Express, has a combined value of up to $3,188 – you can get more value from the American Express Business Gold card if you take advantage of both of those benefits.

Value of welcome bonuses

Value of G Suite Basic and ZipRecruiter Standard one-year membership Value of 50,000 bonus points
$3,188 50,000 points x 1.19 cents = $595

By contrast – since we estimate each Business Gold card point to be worth 1.19 cents – the 50,000-point bonus is valued at approximately $595.

Should you apply?

If you are a business owner who spends heavily in at least two of the six categories listed above, you can benefit greatly from the Business Gold card’s generous rewards rate. For example, let’s say your company maxes out the $150,000 yearly bonus earning cap by spending $12,500 each month on air travel and media advertising. By the end of the year, you stand to earn 600,000 points – equaling out to approximately $7,140 in rewards value. Just keep in mind that the card requires a big upfront commitment, since the pricey $295 annual fee isn’t waived the first year.

If you are an existing Business Gold Rewards card from American Express OPEN member who wants to take advantage of the Business Gold card’s benefits, you must request to be transferred to the new card.

See related: Earn 75K bonus points with The Business Platinum Card from American Express, Enhanced American Express Gold card offers a 4-point bonus for foodies  

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Updated: 01-22-2019