This American Express® Business Gold Card A valuable mid-tier card for business owners.
With valuable bonus categories, high earnings on Amex travel purchases and up to $395 in annual statement credits, there are plenty of reasons to add the card to your wallet. Registration is required for select benefits. And that’s not even counting the value you’ll get from the welcome offer.
Here’s what you need to know about the value you can get from Amex Business Gold.
Amex Business Gold Welcome Offer
Right now, as new Amex Business Gold Applicant, you will earn 100,000 bonus Membership Rewards points after spending $15,000 on your card in the first three months of card membership.
TPG’s July 2024 valuations put Membership Rewards points at 2 cents each, making this bonus worth $2,000 — one of the best offers in the card’s history.
Note that this card is subject to Amex’s once-for-lifetime rule, so only those who have never held the card before are eligible for the bonus.
Related: How to Redeem Membership Rewards for Maximum Value
Earnings structure
This Amex Business Gold Lets you earn 4 points per dollar on your top two spending categories every billing cycle (up to $150,000 per calendar year, then 1 point per dollar). Amex will automatically determine the top two categories of your business expenses each month using all posted account transactions that fall into six categories (listed below):
- Transit purchases, including trains, taxicabs, ride-hailing services, ferries, tolls, parking, buses and subways
- US purchases from electronic goods retailers and software and cloud system providers
- Monthly wireless telephone service charges charged directly from a wireless telephone service provider in the US
- US purchases at gas stations
- US purchases at restaurants including takeout and delivery
- Purchases from US media providers for advertising in selected media (online, TV, radio).
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You’ll earn bonus points on the first $150,000 in combined spending in your top two categories annually (1 point per dollar thereafter). If you can max out this bonus-earning on the full $150,000 in this category, you’ll earn 600,000 bonus points per year, worth $12,000 according to our July 2024 valuation.
In addition to these bonus categories, you’ll earn 3 points per dollar on flights, prepaid hotels and prepaid flight and hotel packages booked through Amex Travel, as well as 1 point per dollar on all other purchases.
Related: Amex Gold Vs. Amex Business Gold
benefits
In addition to its business-friendly bonus categories, the Amex Business Gold These benefits come with:
- Up to $240 in statement credits annually ($20 back per month) for eligible purchases at FedEx, Grubhub and office supply stores
- Up to $155 in annual statement credits for a monthly Walmart+ membership (up to $12.95 per month plus a membership fee applied) (subject to auto-renewal)
- Business tools like year-end summaries, auto-expense classification in Intuit QuickBooks, and complimentary vendor pay through Bill.com membership
Registration is required.
If you can max out up to $395 in annual statement credits, this benefit alone will justify the card’s $375 annual fee (see Rates and Fees).
*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AIG Company New Hampshire Insurance Company.
***Eligibility and benefit levels vary by card. Not all types of vehicles or rentals are covered and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage offered by American Express Travel Related Services Company, Inc.
Related: Is Amex Business Gold Worth the Annual Fee?
Bottom line
This Amex Business Gold A great option for small-business owners who want to earn lots of valuable Membership Rewards points. It comes with high welcome bonuses, adaptive bonus categories and valuable perks that earn it a gold star for simplicity and value.
However, business owners who can’t maximize the benefits or who want to keep their annual fee costs low can opt for our other favorite business credit cards.
For more details, read our full Amex Business Gold review.
Apply here: Amex Business Gold
For Amex Business Gold Card rates and fees, click here.