The Business Gold Rewards Card from American Express

Complete with an enticing introductory offer, the Business Gold Rewards Card from American Express OPEN offers a rather unique rewards program that lets cardholders choose how many points they’d like to earn in a number of different categories, including airfare, advertising, and shipping costs.

The card offers additional benefits that come in handy for business owners and employees, including purchase protection and insurance while traveling. The flexible spending limit can be adjusted over time, and the $175 annual fee is waived the first year.

See how this card compares to others in The Business Gold Rewards Credit Card vs The Blue for Business® Credit Card from American Express OPENThe Business Gold Rewards Card from American Express OPEN vs The Chase Ink Plus® Business Card, and American Express Business Green Rewards vs. Business Gold Rewards Card.

This card is one of our picks for the Best Credit and Charge Cards for Small Businesses and Startups – 2016.

Insider Tip: You may be able to get the annual fee on this card waived. Just call customer service and ask nicely to have it waived, explaining that you’ve been a good, responsible customer for some time. Or, if you’re thinking of canceling the card, you can let them know that you’d consider staying with them if they waive the fee. In some cases they may offer a different incentive, like bonus points.And if you’re in the military on active duty, you can submit an online request for SCRA benefits, which will probably include having the annual fee waived.

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  • Rewards
    • Earn 3 points for every $1 spent on 1 category of your choice: airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases for shipping, U.S. computer hardware, software, and cloud computing purchases made directly from select providers.
    • Earn 2 points for every $1 spent on the remaining 4 categories
    • Earn 1 point for every $1 spent on all other purchases
  • Signup Bonus 25,000 points if you spend $5,000 in the first 3 months
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR N/A
  • Penalty APR N/A
  • Late Fee Up to $38 or 2.99%, whichever is greater
  • Returned Payment Fee $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Entertainment Access®

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

OPEN Business Services

  • OPEN Forum®

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

  • OPEN Savings®

    Extra savings on eligible purchases from participating merchants.

  • ReceiptMatchSM with QuickBooks®

    Track expenses with ReceiptMatch with 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).

Visitor Reviews

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