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
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.
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.
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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.
Travel Benefits
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:
- No Foreign Transaction Fees (see rates and fees);
- Annual fee: $295 (see rates and fees).
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
- High annual fee (see rates and fees);
- Limited bonus categories.
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!
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.
Suzana Brito
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