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American Express® Business Gold Card

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The American Express Business Gold Card provides a flexible option for businesses that make many different types of purchases, earning you extra points back on the two categories you spend the most in each month. Get the most out of your points by transferring them to partner airline and hotel loyalty programs — this will help you mitigate the $295 annual fee.

Our rating
Credit range: Good
Annual Fee: $295
Regular APR: 15.74–23.74% Variable

American Express® Business Gold Card

Our rating
Good Credit range
$295 Annual Fee
Apply Now Read our Review

Highlights & Features

(Rates & Fees)

Rewards

  • 4X Membership Rewards points per dollar in the two categories with the highest spend per month, up to $150,000 in combined purchases per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. advertising purchases: online, TV, radio
    • U.S. providers of computer hardware, software, and cloud solutions
    • U.S. gas stations
    • U.S. restaurants
    • U.S. shipping
  • 2X Membership Rewards points per dollar for eligible purchases from American Express Travel
  • 1X Membership Rewards point per dollar for all other purchases

INTRODUCTORY BONUS

35,000 bonus points for spending $5,000 in the first 3 months

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 29.99% Variable
Late Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
American Express® Business Gold Card

Highlights

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees
ABOUT THE ISSUER

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-243-3888 or

Try a different phone number
See all Issuer Cards

The American Express Business Gold Card has replaced the old Business Gold Rewards Card, with a new rewards program and valuable first-year offers.

The Business Gold Card provides 4X Membership Rewards points in the two categories your business spends the most in, out of six possible categories:

  • Airfare purchased directly from airlines
  • U.S. advertising purchases: online, TV, radio
  • U.S. providers of computer hardware, software, and cloud solutions
  • U.S. gas stations
  • U.S. restaurants
  • U.S. shipping

Each month American Express will calculate the two categories that your business spent the most in, and those purchases will retroactively earn 4X points. The 4X rate is available for the first $150,000 in combined purchases per year.

2X Membership Rewards points are awarded for eligible purchases from Amex Travel, with 1X Membership Rewards point for every other purchase.

When using points to book airfare you’ll get a 25% Airline Bonus, in the form of 25% of your points back. You can also transfer your points to a variety of airline and hotel loyalty programs.

This is a charge card, which means you need to pay off the balance in full each month. However, you’ll also have the Pay Over Time option, which lets you pay over time for purchases of $100 or more at a given interest rate. We don’t recommend doing so because you’ll be charged interest, and it would be cheaper to pay your statement balance in full every month.

The Business Gold Card costs $295 per year (Rates & Fees).