American Express® Business Gold Card

For People with
Good Credit

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

There are two valuable perks that are only available in the first year of card membership: one free year of ZipRecruiter Standard, and one free year of G Suite Basic for three users.

You’ll receive statement credits for purchases of ZipRecruiter and G Suite memberships, whether you purchase the Standard and Basic plans or other plans. Up to $2,988 in statement credits will be provided for a ZipRecruiter membership in your first year, and up to $200 for G Suite.

This is enough for one year of ZipRecruiter Standard and one year of G Suite Basic, although you’ll still get statement credits if you purchase other membership levels.

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.

Card Quick Facts

Card Quick Facts

  • Earn 4X Membership Rewards points in the two categories your business spends the most in
  • Earn 1X Membership Rewards point for all other purchases
  • One free year G Suite Basic for three users, a value of $200
  • One free year of ZipRecruiter Standard, a value of $2,988
  • Shopping and travel perks
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $295 annual fee
  • Terms and limitations apply

For People with
Good Credit

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Card Details



  • 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:
    • 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
How to Redeem
Card Stats

Card Stats

Annual Fee $295
Additional Cards Annual Fee -
Regular Purchase APR 16.24%, 20.24%, or 24.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 29.99% Variable
Late Fee $38 or 2.99% of any past due Pay in Full amount, whichever is greater
Returned Payment Fee $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • One Free Year of ZipRecruiter Standard

    You’ll get up to $2,988 in statement credits for ZipRecruiter in your first year, enough for one year at the Standard plan level.

  • One Free Year of G Suite Basic

    You’ll get up to $200 in statement credits for G Suite in your first year, enough for one year at the Basic plan level.

  • 25% Airline Bonus

    Get 25% of your points back when booking airfare through American Express Travel using Membership Rewards Pay with Points.

  • The Travel Collection by Travel Leaders Group

    Enroll to gain access to a variety of travel planning services, discounts, and amenities

  • The Hotel Collection

    Get a credit of up to $75 for eligible hotel expenses booked through Amex, for qualifying stays of two nights or more. Does not cover the cost of the room.

  • Pay Over Time
    Purchases of $100 or more are eligible to be paid over time at your given interest rate. All purchases under $100 are due in full each month.
  • No Preset Spending Limit

    Your spending limit will adjust over time. This does not mean you can spend an unlimited amount.

  • Amex Offers

    Get a variety of valuable discounts at many different merchants. Must be added to the card manually online.

  • Lowest Hotel Rates Guaranteed

    Applies to eligible rooms booked through Amex Travel. If you find your room being advertised for a lesser price before check-in you can be reimbursed.

  • Entertainment Access®

    Exclusive access to ticket pre-sales and card member-only events in your city.

  • Tier One Program

    Businesses that spend at least $5 million per year may be eligible to receive enhanced benefits from Amex. Check your Guide to Benefits for details.

  • Reports to the Business Credit Bureaus

    Amex business cards in positive standing report to Dun & Bradstreet and Small Business Financial Exchange. If they enter a negative status they will be reported to Dun & Bradstreet, along with the regular consumer bureaus.

OPEN Business Services

  • Free Employee Cards

    You can get up to 99 employee versions of this card at no additional cost. You can set individual spending limits and earn rewards from their purchases.

  • OPEN Forum®

    Online community for small business owners to connect with each other.

  • OPEN Savings®

    Extra savings on eligible purchases from participating merchants.

  • OPEN Relationship Care® Service

    Call the number on the back of your card to speak with a specially-trained, business-oriented customer support representative.

  • Connect to QuickBooks®

    Easily export transaction data to QuickBooks®.

  • Account Alerts

    Get alerts about account information on your phone.

  • Account Manager

    Ability to give other people permission to manage your account.

  • Dispute Resolution

    Help dealing with fraudulent and incorrect transactions.

  • Extended Warranty

    For warranties of 5 years or less, get up to 1 extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If a merchant won’t take back an item within 90 days, American Express may refund the purchase price (restrictions apply).

  • Global Assist® Hotline

    When you travel 100 miles or more from home, provides help with travel accidents like lost passports, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Baggage Insurance Plan

    Eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage & checked bags together and up to $500 for checked baggage only.

  • Travel Accident Insurance

    Up to $100,000 in financial security if accident or death is caused when traveling by Common Carrier plane, train, ship, or bus.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver.

  • Premium Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency (no cost for the first 4 times per year).

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