American Express Business Gold Card
American Express® Business Gold Card
Annual fee: $375 — Terms Apply. See rates and fees.
Current welcome offer
You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
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.
My Take
My husband just opened the American Express® Business Gold Card this year, because of the elevated offer.
Here's what makes it interesting for business owners: the 4x earning structure is genuinely flexible. Instead of being locked into specific categories, it automatically adjusts to reward your top two spending categories each billing cycle from 6 eligible options — U.S. media advertising, U.S. electronic goods retailers and software, U.S. restaurants, travel, U.S. gas stations and EV charging, and transit purchases. The 4x rate applies to the first $150,000 in combined purchases across those two categories each calendar year, then drops to 1x. If your business spending shifts month to month, this card adapts with you. That's a smart earning structure for business owners whose expenses aren't always predictable.
The $375 annual fee is easier to swallow than the Business Platinum, and the card now comes with a genuinely strong lineup of statement credits: up to $240/year at FedEx (through 10/01/2026), Grubhub, and U.S. Office Supply stores ($20/month, enrollment required), up to $300/year on ChatGPT Business purchases (enrollment required), up to $150/year with Squarespace (enrollment required), and up to $12.95/month toward a Walmart+ membership (enrollment required). If you'll realistically use even two of these, the annual fee essentially pays for itself — but as always, credits you don't use are just money left on the table.
One thing worth knowing: business cards like this one don't count toward your 5/24 status, which makes them a smart way to keep earning welcome offers without burning a Chase slot. And unlike the personal Amex cards, you can open the business versions in any order that makes sense for you.
If you're a business owner sitting on an elevated offer for this card, it's absolutely worth a serious look.
How to Earn Rewards
Benefits
- Up to $240 annual business statement credit. $20/month at FedEx (through 10/01/2026), Grubhub, and U.S. Office Supply stores. Enrollment required.
- Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business. Subject to auto-renewal. Enrollment required.
- Up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal. Enrollment required.
- Walmart+ membership statement credit (up to $12.95/month plus applicable taxes on one membership fee). Enrollment required.
- No foreign transaction fees. See rates and fees.
- Purchase protection
- Extended warranty
- Car rental loss and damage insurance
- Global Assist® Hotline for 24/7 emergency assistance when traveling more than 100 miles from home
- Free employee cards
- Points transfer to airline and hotel partners
- Doesn't count toward 5/24
Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Is This Card Right For You?
✓ Best for
Business owners with varied monthly spending categories
Anyone who received a targeted elevated offer
Those looking to earn points without affecting 5/24 status
Business owners who will use the monthly statement credits consistently
Anyone building an Amex Membership Rewards strategy
✗ Not ideal for
Anyone who won't keep up with the monthly statement credits
Those without a business or qualifying side hustle
Anyone looking to avoid annual fees
Business owners who prefer simple flat rate earning
Is This Card Worth It For You?
Enter how much of each benefit you'll realistically use to see your personal value.
Offer History
The current standard public offer is as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership — a significant spend requirement, so make sure your business expenses can support it before applying.
This is the highest public offer I've seen to date so it's an excellent time to apply!
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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.
Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
