https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/ WELCOME OFFER AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.† Here's how it works: Apply and find out your offer amount Continue to see if you're approved If approved, accept the Card with your offer Spend $15,000 in 3 months Receive the points How You Earn 4X POINTS On Your Top 2 Eligible Categories Each Month 4X points are earned on the first $150,000 in combined purchases each calendar year. Continue reading for category details.‡ 3X POINTS On Flights & Pre-Paid Hotels‡ Booked on AmexTravel.com.‡ 1X POINTS On All Other Eligible Purchases Made using the Business Gold Card.‡ No Preset Spending Limit No Preset Spending Limit can give you flexibility in ways traditional credit cards don't. The amount you can spend adapts based on factors such as your purchase, payment, and credit history. Rather than having a set limit, you could grow your purchasing power the more you consistently use your Card and regularly make payments.‡ Pay Over Time‡ Details The Pay Over Time feature lets you carry a balance with interest on eligible charges, up to your Pay Over Time Limit. How it works: Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit. You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business. You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance. APR on purchases will be a variable rate, 17.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤ h month.‡ Travel Benefits No Foreign Transaction Fees Do business globally and pay no foreign transaction fees on your purchases.*‡¤ *American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions. The Hotel Collection With The Hotel Collection, receive a suite of benefits with an average total value of $1504 at over 1,300 hotels when you book a minimum two-night stay through AmexTravel.com.5 $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on property charges.6 Room upgrade upon arrival, when available.7 4Average value based on The Hotel Collection bookings in 2025 for stays of two nights. Benefits include room upgrade upon arrival when available (certain room categories are not eligible for upgrade), and $100 credit towards eligible charges (which vary by property). Actual value will vary based on property, room rate, upgrade availability, and use of benefits. 5The Hotel Collection requires a minimum two-night stay. 6Eligible charges vary by property. 7Certain room categories are not eligible for upgrade.‡ Customer Service Global Assist® Hotline‡ Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Global Assist does not provide the services but assists with coordinating the services. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply. Expense Management Employee Cards Earn Membership Rewards® points.‡ Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits‡ you set. You can earn Membership Rewards® points‡ on their purchases, and receive real-time alerts to help you know who’s spending and where. The annual fee for the Employee Business Gold Card is $95 for the first five Cards and then $95 for each Card after that.† In total your account can have 99 Employee Cards.‡ Connect to QuickBooks® Connect to QuickBooks can help you manage your employee Business Card expenses easily. Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your QuickBooks every day, so you can manage their expenses right from your QuickBooks. Enrollment required.‡ Account Manager Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Business Expense Cards, so you're free to focus on other priorities.‡ Year-End Summary Organizing your finances can be a time-consuming task. That's why we provide a Year-End Summary‡ of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel‡ and restaurants. You can also download your information to print or save for a later date in PDF or Excel. With your charges itemized in one place, the Online Year-End Summary is a great tool you can rely on to help prepare for your taxes and manage your spending. Learn more at americanexpress.com/yes. Online Statements View your purchase history, prepare reports, and budget your expenses. American Express® App Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real time with the American Express® App.‡ Vendor Pay by BILL‡ Get started with Vendor Pay by BILL by enrolling your eligible American Express® Business, Corporate, or Corporate Purchasing Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users. Insurances Cell Phone Protection You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone up to $800 per claim with a limit of two (2) approved claims per 12-month period, subject to a $50 deductible per claim, when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply.8‡ 8Coverage is provided by New Hampshire Insurance Company, an AIG Company. Dispute Resolution If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡ Extended Warranty♦ With Extended Warranty♦ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Purchase Protection♦ When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions. Baggage Insurance Plan♦ Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions. Car Rental Loss and Damage Insurance♦ As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage. Trip Delay Insurance‡ If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance‡ can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.9 9Coverage is provided by New Hampshire Insurance Company, an AIG Company. Frequently Asked Questions about the Business Gold Card How does the rewards structure work? Earn Membership Rewards® points on eligible purchases, including earning more points in select categories where your business spends the most each billing cycle, up to applicable limits. Eligible categories and limits apply.‡ Terms apply. Can I earn points on everyday business purchases? Earn Membership Rewards® points on everyday eligible business purchases, including categories such as advertising, shipping, and technology services.‡ Terms apply. What can I do with Membership Rewards® points? Use Membership Rewards® points for a variety of redemption options, including travel, gift cards, statement credits, and more. Redemption options and values may vary. Terms apply. Does the Amex Business Gold card have lounge access? No, the American Express® Business Gold Card has no lounge access. Does the Amex Business Gold card have foreign transaction fees? No, the American Express® Business Gold Card has no foreign transaction fees on international purchases.¤‡ Is Amex Business Gold card a charge card? Yes, the American Express® Business Gold Card is a charge card with No Preset Spending Limit‡, so your spending capacity adapts based on your purchase, payment, and credit history. You can pay in full each month or pay over time with interest on eligible charges.
American Express® Business Gold Card ReviewNovember 26, 2025
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6 min