Credit Cards

Gold benefits: American Express® Business Gold Card review

Looking for a card to help manage your business expenses? Here's the American Express® Business Gold Card! Earn points on every purchase and more!

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Unlock 70,000 Membership Rewards® Points in 3 Months

American Express® Business Gold Card
American Express® Business Gold Card review. Source: American Express

As a business owner, managing your finances and expenses can be overwhelming. Find the features to help you in our American Express® Business Gold Card review.

American Express® Business Gold Card

Apply for American Express® Business Gold Card

Get an in-depth understanding of the American Express® Business Gold Card and its application process. Earn up to 4 points on purchases!

This card streamlines your business expenses and offers great rewards. Find out the main features, pros, and cons of the American Express® Business Gold Card. So read on!

  • Credit Score: Good-Excellent;
  • Annual Fee: $295 (see rates and fees);
  • Regular APR: 19.49% – 27.49% Variable (see rates and fees);
  • Welcome bonus: Earn 70K Membership Rewards® points after spending $10,000 on eligible purchases in the first 3 months of account opening;
  • Rewards: 4X points Membership Rewards® on 2 categories your business has spent the most each billing cycle; 1 point on all other purchases;
  • Terms apply.

American Express® Business Gold Card: how does it work?

The American Express Business Gold Card is a premium credit card designed for business owners in the United States.

So here’s a detailed review of its features, benefits, and drawbacks.

Welcome Bonus

Firstly, you’ll earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership (terms apply).

Points

Also, earn 4X Membership Rewards® points on the two categories where your business spends the most each billing cycle from a list of six categories (terms apply):

  • Airfare purchased directly from airlines;
  • U.S. purchases for advertising in select media;
  • U.S. purchases at gas stations and restaurants;
  • U.S. purchases for shipping, computer hardware, software, and cloud computing purchases made directly from select providers;

Additionally, earn 1X Membership Rewards points for all other purchases. Terms apply.

Multiple personalized credit card offers

Applying won't hurt your credit score

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Travel Benefits

Using mobile phone at work, taking break.
Unlock 70,000 Membership Rewards® Points in 3 Months. Source: AdobeStock

Also, there are some travel benefits of this card.

  • Baggage insurance;
  • Car rental loss;
  • Damage insurance;
  • Access to the Global Assist Hotline;
  • Terms apply.

Purchase Protection

You can still receive protection for eligible purchases with extended warranty coverage, purchase protection, and return protection.

Fees

Finally, check out two important fees in a business card:

American Express® Business Gold Card: should you get one?

Overall, the American Express Business Gold Card is a great choice for businesses that spend significant money in the eligible categories.

Then consider its pros and cons below to help you decide!

Pros 

  • Rich travel benefits;
  • 4 points on 2 categories your business spends most money (terms apply);
  • 1 point on all other purchases (terms apply);
  • No foreign transaction fee (see rates and fees).

Cons

Credit score required

If you want an American Express® Business Gold Card, ensure you have at least a good credit score.

So, the higher your credit score is, the higher your chances of approval.

American Express® Business Gold Card application: how to do it?

Ready to apply for the American Express® Business Gold Card and earn points on your business purchases?

We have the perfect guide to help you with the application. So check it out!

American Express® Business Gold Card

Apply for American Express® Business Gold Card

Get an in-depth understanding of the American Express® Business Gold Card and its application process. Earn up to 4 points on purchases!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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