Last updated: 10/2/2022

American Express® Business Gold

Earns: American Express Membership Rewards

★★★★★

GigaTake:

One of the most rewarding points business cards, you’ll get 4 points per dollar on the 2 select categories where you spend the most each month. It goes to 1x after $150,000 in spending, however, so keep that in mind if you have major business spending.

This card is best for:

All Spending

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Here’s how much you would earn with this card

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–${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

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${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus

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All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the American Express® Business Gold compares to other credit cards

American Express® Business Gold Other Cards

Rewards

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Reward Rate = 4x

Value = 1.7 cents per point
Effective Value = 6.8 %

Reward Rate = 1x

Value = 1.7 cents per point
Effective Value = 1.7 %

Welcome Bonus = 70,000

Value = 1.7 cents per point
Effective Value = $1190

$1700

Annual Fee = $295

$695

Welcome Bonus

70,000 Points

After you spend $10,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

4x Your Top 2 Categories (first $150,000 in purchases each year)

1x All Other

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Other Card Information

Get 4X Membership Rewards(R) points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.

Annual Fee

$0 first year
$295 thereafter

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

Additional perks of owning this card

MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. ** **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.

Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back.

PURCHASES APR	17.24% – 25.24%
FOREIGN TRANSACTION FEE	0%