American Express® Business Gold Card
American Express® Business Gold Card
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American Express® Business Gold Card

American Express® Business Gold Card
See Rates & Fees, Terms Apply

Partner Offer

Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at American Express's secure site
Intro Bonus
Earn 70,000 pointsWelcome 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.*
Reward Rates
4XEarn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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.
3XEarn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
1X1X is earned for other purchases. **
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$295 ($375 if application is received on or after 2/1/24)

Great for:

Business expenses. If you find yourself often reaching for your wallet to pay for business expenses, this card will allow you to earn 4X points on your top two select categories where your business spends the most out of six eligible categories each billing cycle (up to $150,000 a year, then 1X).

See more of our picks for the best business credit cards.

Highlights

  • 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.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card - Your Choice. Now choose from Gold or Rose Gold.
  • *Terms Apply

Features

  • Business
    Business
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Rewards
    Rewards
  • Travel
    Travel
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.4 out of 5

Our take: The American Express Business Gold Card is a solid choice for a small-business owner who wants to earn and redeem points for business or family travel.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.