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!

Advertisement

Unlock 70,000 Membership Rewards® Points in 3 Months

American Express® Business Gold Card
American Express® Business Gold Card review. Source: The Mad Capitalist.

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: $375;
  • Regular APR: 19.49% – 27.49% Variable;
  • Welcome bonus: 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.*
  • Rewards: 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.
  • See Rates & Fees

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.

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:

  • U.S. purchases for advertising in select media;
  • U.S. purchases at gas stations;
  • U.S. purchases at restaurants;
  • U.S. purchases for computer hardware, software, and cloud computing purchases made directly from select providers;
  • Transit purchases; and
  • Monthly charges for wireless telephone service made by a U.S. wireless telephone service provider.

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

Travel Benefits

American Express® Business Gold Card
Unlock 70,000 Membership Rewards® Points in 3 Months. Source: Amex.

Also, there are some travel benefits of this card.

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

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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;
  • Annual fee: $375.
  • See Rates & 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 

  • 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.
  • 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. Choose from Gold or Rose Gold.

Cons

  • High annual fee;
  • 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!

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!

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.

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.

Trending Topics

content

Learn how to download the Capitec Bank App

Find out how to quickly and easily make the Capitec Bank App download. Read on to learn how to enjoy banking online with this app!

Keep Reading
content

US Bank Altitude® Go Visa Signature® Card review: is it worth it?

Enjoy introductory bonus and restaurant rewards with the US Bank Altitude® Go Visa Signature® credit card. Learn all about it!

Keep Reading
content

Learn to apply for a Discover Student Loan

Learn how to apply for a Discover Student Loan and get full cost of attendance, plus forbearance options in times of hardship.

Keep Reading

You may also like

content

Learn to apply easily for the Best Egg Personal Loans

We'll show you how easy it is to apply for Best Egg Personal Loans. Plus, learn about the benefits of borrowing with them. Check it out!

Keep Reading
content

Lazy investing for starters: 3 fund portfolio

Looking for a lazy investing portfolio? You need to check out the 3 fund portfolio strategy. It’s profitable, it’s simple and it’s proven.

Keep Reading
content

Prosper Personal Loan review: how does it work and is it good?

Are you looking for a Prosper Personal Loan review? Keep reading to find out the pros and cons of this lender. Read on!

Keep Reading