Last updated: 8/3/2021

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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

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} American Express Membership Rewards
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

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

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

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

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

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


Hover the dots to view other Credit Cards

Reward Rate = 4x

Value = 1.7 cents per point
Effective Value = 6.8 %

0%
7%

Reward Rate = 1x

Value = 1.7 cents per point
Effective Value = 1.7 %

0%
3%

Welcome Bonus = 70,000

Value = 1.7 cents per point
Effective Value = $1190

$0
$1800

Annual Fee = $295

$0
$995
Welcome Bonus
70,000

Excellent

Bonus Rating

Excellent

In the top 15% of cards.

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)

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

Very Good

very good

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.

Program Name
American Express Membership Rewards
Gigapoints Value
1.7¢ per point
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
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 Go

Additional perks of owning this card

4x Points on Top Two Categories

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.

25% Airline Bonus

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