American Express · Business

American Express Business Gold

A $375-a-year business card earning Membership Rewards: 4× on 1st Highest Spend Category, 1× on everything else.

Year one and year two

Is it worth it for you?

Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.

Line	Year one	Year two
Signup bonus 200,000 points · spend $15,000 on purchases on your Card in the first 3 months of Card Membership	$3,800	–
Points on your spend Enter your spending	$0	$0
Credits you’d use None ticked yet	$0	$0
Annual fee Charged each year	−$375	−$375
NetYear one includes the bonus · at your inputs · our estimates*	$3,425	−$375

The bonus needs $15,000 on purchases on your Card in the first 3 months of Card Membership.

Compare whole wallets See how the Business Gold does beside the cards you already hold.

Earning structure

Category	Points per $1	Worth per $100 (our estimate)*
1st Highest Spend Category Cap $150,000 / 12 mo Notes Earn 4X Membership Rewards points on the 2 categories where your business spends the most in each billing cycle from 6 categories: - U.S. advertising media providers (online, TV, radio) - U.S. electronic goods retailers and software & cloud system providers - U.S. restaurants - U.S. gas stations - Transit including trains, taxicabs, ridesharing, ferries, tolls, parking, buses, and subways - U.S. wireless phone provider service charges	4×	$7.60
Airfare (Portal)	3×	$5.70
Hotels (Portal)	3×	$5.70
All Other	1×	$1.90

The rest of the card

Card details

Application rules5

Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
No 2nd Biz
You might not be allowed to get a second card for a separate business (EIN).
No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
No CR
This business card will not show on your personal credit report, so it won't count against your 5/24 status.

Transfer partners18

Ratio is Membership Rewards points to partner miles or points.

Benefits9 · 0 high value

Car Rental Insurance SECONDARY Car Rental Loss and Damage Insurance
Cell Phone Protections Cell Phone Protection
Credits & Discounts $100 The Hotel Collection Credit + 4 more credits & discounts benefits
Travel Protections Baggage Insurance + 1 more travel protections benefit

Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.

Alternatives

	American Express Business Gold	American Express Business Green Rewards	American Express Blue Business Plus	Capital One Venture X Business
Annual fee	$375	$95−$280	$0−$375	$395+$20
Signup bonus	200,000 pts	15,000 pts	15,000 pts	150,000 pts
Top rate	4×1st Highest Spend Category	2×Airfare (Portal), Hotels (Portal)	2×All Other	10×Hotels (Portal), Car Rentals (Portal)
Travel value *	1.9¢Membership Rewards	1.9¢Membership Rewards	1.9¢Membership Rewards	1.7¢Capital One Miles
Why it’s here	This card	Same issuer and the same Membership Rewards points; business card	Same issuer and the same Membership Rewards points, with no annual fee; business card	An annual fee within $100, with transferable miles; business card

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