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2021 Review: American Express Business Gold Card

Updated Sep 09, 2021 | Published Aug 11, 202012 min read

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American Express® Business Gold Card

Min Credit Level Good
Annual Fee $295
Regular APR 14.24% - 22.24% Variable
At a glance

The American Express Business Gold Card features a unique business-focused rewards program, flexible redemption options, and a handful of benefits, creating one of the more appealing business credit card offers on the market.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to The Business Platinum Card® from American Express, Delta SkyMiles® Platinum Business American Express Card, and Marriott Bonvoy Business™ American Express® Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Rating: 5 Out of 5 Stars

We gave the American Express® Business Gold Card 5 out of 5 Stars because it’s one of the better high-level options out there for business owners.

Why We Like It

  • Flexible 4X Membership Rewards points categories, with six bonus categories in total
  • Welcome offer: 70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
  • Membership Rewards points feature a wide variety of redemption options
  • Useful travel protections and benefits
  • Get employee cards to distribute
  • American Express provides tools to track spending and manage accounts
  • No foreign transaction fees
  • American Express has relatively good customer support

Why It Could Be Better

  • American Express has somewhat limited acceptance, especially overseas
  • Sizable annual fee
  • Relatively low rewards
American Express® Business Gold Card
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Business Gold is an interesting and flexible card. It’s designed to help fund your business expenses, and is good for making a variety of different purchases.

Most reward cards come with a set of select categories that you have to either take or leave. But the Business Gold gives you six bonus category options. The two categories that your business spends the most in each month will earn 4X Membership Rewards points, which will be retroactively applied to all eligible purchases.

That means you’ll earn more points in the two categories that you spend the most in each month, a good situation for businesses that have a variety of spending. This is a fairly unique offer, customizing the rewards to fit your most frequent business expenses.

You can get a 25% point rebate 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.

You can earn a cash back equivalent of upwards of 8% with this card, if you transfer your points to qualifying airline or hotel loyalty programs. Other redemption methods will provide less value.

Is this a good card to help you pay for business expenses? You may be able to earn a bit back while getting some good value out of the other benefits. Keep reading to find out!

Insider Advice: Getting the Most Out of Your Card

  • Use this card for your business spending: Earn 4X Membership Rewards points per dollar in the two categories that your business spends the most in each month, with 1X point for all other purchases.
  • Build better business credit: You can use this card to build and improve your business credit. Pay your bill on time and in full each billing cycle to avoid interest and prevent your account from ever entering a negative status.
  • Share the wealth: You can get up to 99 employee cards to share with your workers, and set individual spending limits. Use them to manage spending and earn rewards more quickly.
  • Redeem for flights or gift cards: The flight and gift card redemption methods are easiest, offering up to 1 cent per point. But you can transfer your points to a partner loyalty program to potentially get a better value.
  • You have no preset spending limit: Your spending limit will change over time. Pay your bills on time and be a responsible credit user to potentially increase that limit.
  • Look out for discounts: Check out the Amex Offers benefit to find discounts at a wide variety of merchants. This gives you a way to earn more rewards more quickly.

The Rewards

This card can provide the equivalent of 4% cash back when you use the normal redemption methods. Or if you use a point transfer, you can potentially get over 8% cash back.

Earning

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories with the highest spend per billing cycle (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 Amex Travel
  • 1X Membership Rewards point per dollar for all other eligible purchases
Introductory Bonus
  • 70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership

As you can see, this card is pretty versatile. You’ll get more points for the types of purchases you make the most, with 4X points in the two categories that your business spends the most in each month. That makes this a good rewards program for businesses that have a variety of spending throughout the year.

The 4X rate will apply to the first $150,000 spent at that rate in combined purchases per year. After that you’ll earn 1X point.

Redeeming

The Membership Rewards points you earn with this card can be redeemed in a few different ways.

Your basic options are:

  • Normal redemption methods (flights, hotel reservations, gift cards, point of sale): 0.5–1.0 cents per point, 25% points back for airfare
  • Statement credit: 0.6 cents per point, up to 2.4% cash back equivalent
  • Point transfer to frequent traveler loyalty program: Highly variable cash back, equal to over 8% in some cases

Cashing in points for statement credits will only get you 0.6 cents per point, so we don’t recommend that. The other methods can provide up to 1 cent per point, with the exception of point transfers which can yield more.

Airfare booked through Amex Travel will provide a 25% bonus, in the form of 25% of your points back, so that’s a decent option too. It basically means you’re getting 1.25 cents per point, as long as you end up redeeming those returned points for 1 cent each.

So we recommend transferring your points to a loyalty program whenever possible. If you can’t do that, booking airfare and getting the 25% bonus will be your next best option. The statement credit method is the simplest, but it provides the least value per point.

As an example, say you earn a total of 10,000 Membership Rewards points. You can redeem them for flights or certain gift cards at 1 cent per point, which comes to $100. When booking for airfare you’d get 25% of those points back, which would be 2,500 points, so you could value those redemptions at $125. Or you can redeem them for a point transfer, where you may get a value of 2 cents per point or more depending on the details of the transfer, coming to a value of $200. A statement credit, at 0.6 cents per point, would only provide $60.

Travel

When redeeming for travel expenses you’ll have several options, but the most valuable is for airline flights because you’ll get 25% of your points back. The main way is to redeem through American Express Travel, though there are a couple other travel services you can use as well. You’ll be able to redeem 10,000 points in the following ways.

Redemption Method Travel Service Redemption Value Point Value (in cents) Cash Back Equivalent
Find Flights Amex Travel $100 1.0 1.0%–4.0%+
Reserve Prepaid Hotels Amex Travel $70 0.7 0.7%–2.8%
Plan Vacations Amex Travel $70 0.7 0.7%–2.8%
Take Cruises Amex Travel $70 0.7 0.7%–2.8%
Airbnb Bookings Airbnb $70 0.7 0.7%–2.8%
Flights and Hotels on Expedia Expedia $70 0.7 0.7%–2.8%

Transferring to Loyalty Programs

You can transfer Membership Rewards points to a variety of different loyalty programs. Some are based in the U.S., while others are not. Many popular airlines and hotels are represented.

Most transfers are at a 1:1 rate, though some are different. And there are also limited-time offers and special deals occasionally. There’s a fee of $0.0006 per point when transferring to US airlines, with no charge for any other transfers. And different programs will allow you to transfer points in different increments, like 500 points at a time or 1,000 points at a time.

Here are some example programs, along with their transfer rates and a point conversion example. Take note that offers may change.

Loyalty Program Type Transfer Rate You Give You Get
Aer Lingus Airline 1:1 1,000 1,000
Aeromexico Airline 1:1.6 1,000 1,600
Aeroplan® Airline 1:1 1,000 1,000
ANA Mileage Club Airline 1:1 1,000 1,000
Avianca LifeMiles Airline 1:1 1,000 1,000
Flying Blue® Award Miles  Airline 1:1 1,000 1,000
Delta Air Lines Airline 1:1 1,000 1,000
Hawaiian Airlines® Airline  1:.8 1,000 800
Choice Privileges® Hotel 1:1 1,000 1,000
Hilton Honors™ Hotel 1:2 1,000 2,000
Marriott Bonvoy Hotel 1:1 1,000 1,000

The Benefits

  • The Hotel Collection: Cardholders can receive a credit for up to $100 per stay to cover eligible expenses at hotels. This can be a nice way to save a bit of money when traveling.
  • Lowest Hotel Rates Guarantee: If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference. You must submit your claim before the check-in date, and be sure to check your card details because some restrictions apply.
  • Amex Offers: You’ll have access to extra points at a wide variety of merchants, and the selection changes now and then.
  • Tier One Program: Some businesses will be eligible for the Tier One Program from American Express. This comes with benefits that are “designed to streamline and enhance the business’s experience with American Express.”
  • Entertainment Access: This benefit, also called Membership Experiences, provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences. You’ll be able to search by interest, artist, event, or venue.
  • Account Manager: Designate a trusted Account Manager to manage your Business Gold account. Must be at least 18 years old.
  • American Express business app: A tool to help manage your spending throughout the year. Allows you to add receipts and notes to transactions, making tax time easier.
  • Connect to QuickBooks: Provides an easy way to label and transfer your transaction data into a QuickBooks account.
  • No preset spending limit: This card has no preset spending limit, which does not mean you can spend an unlimited amount. Instead, this means that your purchasing power will adjust over time. It will change based on your card activity, payment history, credit record, and other financial resources.
  • Trip Delay Insurance: Use your card to buy a round trip and if it’s delayed for an eligible reason for more than 12 hours, you could be reimbursed.
  • Baggage Insurance Plan: Your carry-on bags are covered against theft and damage to up to $1,250, and up to $500 for checked bags.
  • Car Rental Loss and Damage Insurance: Decline the rental company’s insurance and charge the full amount to your card, and your rental will be covered against damage and theft.
  • Global Assist Hotline: If you need help away from home, you have 24/7 access to a hotline that can assist you if you’re in need of legal, medical, or other kinds of help.
  • Purchase Protection: Your new eligible purchases are covered from damage and theft for 90 days.
  • Extended Warranty: You can add an additional year to a manufacturer’s warranty, if it’s a warranty of five years or less.

Enrollment required for select benefits; terms and limitations apply.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
14.24% - 22.24% Variable 14.24% - 22.24% Variable None
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$295 None None None
Penalty APR Late Fee Returned Payment Fee
29.24% Variable $39 or 2.99% of any past due Pay in Full amount, whichever is greater. $39

American Express® Business Gold Card (Rates & Fees)

This was formerly a charge card, and you typically need to pay the statement balance in full. But if you choose to use the Pay Over Time option for eligible purchases over $100, those expenses will accrue interest at the rate above. We recommend always paying your statement balance in full to avoid interest.

Eligible charges can be included in a Pay Over Time balance, up to the Pay Over Time Limit. Eligible charges include purchases, foreign transaction fees, and annual membership fees. The following are ineligible for Pay Over Time: cash advances, including cash and other cash equivalents, certain insurance premiums, and any other fees owed to American Express. Pay Over Time Limit applies to the total of the Pay Over Time, cash advance, and Plan balances.

All charges not added to a Pay Over Time balance, a monthly payment plan, or a cash advance balance must be paid in full each month by the payment due date.

Otherwise, the terms are very simple for this card. If you always pay your statement balance in full, as long as you don’t make any late or returned payments, you’ll just have an annual fee to pay. If you feel like that fee is too high, check out some no annual fee business credit cards.

The Bottom Line

The American Express® Business Gold Card is definitely a contender if you’re looking to earn points on your business expenses.

Take a look at the reward categories — do you spend a lot of money in at least a few of these? If you travel often, there are some good options here. You’ll be able to pick the reward category that you spend the most in, and still get points in the others. For frequent business trips, the airfare and gas rewards are especially useful.

The annual fee may seem high at first. But if you take into account the rewards you can earn and the value of the benefits, the cost should seem pretty reasonable. Just make sure that you’ll spend enough with the card each year to make the fee worth it. You can extend your reach by assigning cards to your employees, gaining rewards whenever they spend.

There are many more business credit cards out there. Check out some alternatives to the Business Gold card below.

How Do I Apply for the Business Gold Card?

You can apply now for this card securely by following the link below. You’ll need to be an authorized officer for your business, responsible for managing finances.

The Amex Business Gold card is designed for cardholders with good credit or better, so you’ll likely have a higher chance of being approved with FICO scores of at least 670. With that said, even excellent credit scores won’t guarantee you approval, as the decision is based on several factors.

What Credit Scores Do I Need to Qualify for the Business Gold Card?

It’s recommended you have good credit before applying for the American Express Business Gold Card.

That means your credit scores will have to be within the ranges of 670–739 for FICO and 700–749 for VantageScore.

Keep in mind credit card issuers look at more than just credit scores to determine your creditworthiness. There are other factors, like income, that play into card companies’ decisions, so even if you have lower scores than what’s recommended you might make the cut. However, that means occasionally even if you have higher scores, you might not be approved.

Qualifications and Requirements

  • Must be 18 to apply
  • Business identifying information: Business name, company DBA name (if applicable), business name on card, industry type, company structure, years in business, number of employees
  • Business address and contact information: Business address, business phone number
  • Business financial information: Annual business revenue, estimated monthly costs, federal tax I.D
  • Personal identifying information: Role in company, name, Social Security number, date of birth
  • Address and contact information: Email, address, phone number
  • Personal financial information: Total annual income
American Express® Business Gold Card
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Frequently Asked Questions

What benefits come with the American Express Business Gold Card?

The American Express Business Gold comes with some useful benefits including The Hotel Collection and protections like rental car insurance and a baggage insurance plan. Take a look at the complete list of benefits.

Is the American Express Business Gold Card metal?

Yes, the card is metal. Looking for other metal credit cards? We’ve put together a list.

Was this helpful?

Alternatives to the American Express Business Gold Card

  • Min. credit levelGood
  • Annual Fee$595 ($695 if application is received on or after 1/13/2022)
  • Purchase APRSee Pay Over Time APR

Rates & Fees

Why We Picked It

The Business Platinum Card® from American Express (Review) is a high-end business card designed for travelers.

It is more expensive, but you’ll get a nice set of benefits that can help save you money while traveling. These include an annual $200 airline fee credit, good for one airline of your choice per year. This credit is for incidental fees only, like checked bags and in-flight refreshments. It doesn’t apply to ticket costs.

Cardholders can access a variety of airport lounges, including American Express Lounges, Priority Pass, and Airspace Lounges. A fee credit is available for Global Entry or TSA Pre✓ to speed you through the terminal. And there are a collection of other perks to make your trips more comfortable, like complimentary Hilton Honors Gold Status.

So it’s designed to be a more rewarding option for businesspeople who travel pretty regularly.

Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
  • 1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
    • Construction material and hardware suppliers
    • Electronic goods retailers and software/cloud system providers
    • Shipping providers
  • 1X Membership Rewards point per dollar on all other eligible purchases
Introductory Bonus
  • 120,000 bonus points for spending $15,000 within the first 3 months

You’ll be able to redeem your Membership Rewards points in all the ways described above. That means at the 5X rate you can get the equivalent of up to 5% cash back with the normal redemption methods. And as much as 10% cash back or more through point transfers.

Key Features
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
  • Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • $400 Dell statement credit: Enroll to get up to $400 in annual statement credits for U.S. purchases with Dell: $200 from January through June, and $200 from July through December.
  • $360 in annual statement credits for Indeed: Up to $90 in statement credits per quarter for all Indeed hiring and recruiting products and services
  • Up to $150 in annual statement credits for Adobe: Annual credits for select Adobe products, including Adobe Creative Cloud and Acrobat Pro DC
  • Up to $120 in annual statement credits for wireless services: Up to $10 per month, good for purchases of monthly wireless services made directly from U.S. wireless telephone providers
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • Point transfer: To a selection of airline and hotel partners
  • No foreign transaction fee
  • Annual fee: $595 ($695 if application is received on or after 1/13/2022)

Enrollment required for select benefits; terms and limitations apply.

The Business Platinum Card® from American Express (Rates & Fees)

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$95
  • Purchase APR15.99%-20.99% Variable
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • $95 Annual Fee
Why We Picked It

The Ink Business Preferred® Credit Card (Review) carries an annual fee of $95, and features more options when it comes time to redeem. But it doesn’t boast as many bonus categories as the Business Gold Card, and isn’t as flexible.

The bonus categories it does carry are similar however, and there may be one or two that would be especially valuable for you. The real value of the Ink Business card lies in earning rewards and redeeming them through Chase Ultimate Rewards, which features a 25% point bonus, or better yet transferring them to partner airlines or hotels. If you can do that, it may be a good low-cost alternative to the Business Gold.

The benefits are pretty comparable to the Business Gold Card, but the Ink Preferred does have a leg up when it comes to protections like rental car insurance. The Ink Preferred features primary rental car insurance, unlike the Gold, and combats Amex Offers with Shop through Chase and Chase Offers.

Rewards
Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year in combined purchases on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening

Some of these spending categories overlap with the Business Gold. But in this case you get 3X points in all of them, rather than choosing just one. That comes out to 3% cash back normally. But with the 25% bonus you’ll end up getting 3.75% cash back if you redeem for travel through Chase Ultimate Rewards.

Like the Business Gold card, you’ll be able to transfer your points to other loyalty programs with the Ink Business card. Many of the same frequent traveler programs are included by both. And you can transfer at a 1:1 rate, so you’ll get about the same value for both cards per point.

Key Features
  • Redemption bonus: Get a 25% point bonus when you redeem for travel through Chase Ultimate Rewards.
  • Point transfer: Transfer points at a 1:1 rate to a variety of airline and hotel loyalty programs, including British Airways, United, Marriott Bonvoy, and Hyatt.
  • Cell Phone Protection: Pay your monthly cell phone bill with your Ink Business Preferred for coverage against theft and damage, up to $600 per claim with a $100 deductible.
  • Travel protections: Trip cancellation/trip interruption insurance, auto rental collision damage waiver, and more
  • Shopping protections: Purchase protection and extended warranty protection
  • Purchase and Balance Transfer APR: 15.99%-20.99% Variable
  • No foreign transaction fee
  • Annual fee: $95
  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Why We Picked It

The Delta SkyMiles® Platinum Business American Express Card (Review) is made for flying with Delta, and has a $250 annual fee.

Besides the rewards, the value of many co-branded travel cards comes from their benefits. With the Delta SkyMiles Platinum you’ll get quite a few.

They include discounted access to the Delta Sky Club airport lounge for you and up to two guests. Entry will cost $39 per person. You’ll also get one free companion ticket per year, good for one economy-class round trip when you buy an eligible adult ticket. Your first checked bag is free too, for you and up to eight companions. And you can skip the wait with Priority Boarding.

And there are even more airline-related benefits included with the card than that!

Rewards
Spending Rewards
  • 3X SkyMiles per dollar for:
    • Eligible purchases made directly with Delta
    • Eligible purchases made directly with Hotels
  • 1.5X SkyMiles per dollar for single eligible purchases of $5,000 or more, up to 50,000 miles per year
  • 1X SkyMile per dollar for all other eligible purchases
Introductory Bonus
  • 90,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $3,000 in the first 3 months (offer expires 11/20/2021)

You can redeem your miles for Delta flights, where they’ll usually be worth about 1.25 cents per mile. Or you can transfer them to a number of airline partners. The Medallion Qualifying Miles you earn can be used to upgrade your status, which comes with better perks.

Key Features
  • Annual Companion Certificate: A certificate for a domestic, round-trip Main Cabin flight upon card renewal
  • Global Entry or TSA PreCheck fee credit: A statement credit for the application fee of Global Entry ($100 every four years) or TSA PreCheck ($85 once every four-and-a-half years)
  • First checked bag free: Covers you and up to eight traveling companions on Delta flights
  • Main Cabin 1 priority boarding: Board earlier alongside up to eight travel companions.
  • Delta Sky Club access: Visit Delta Sky Club airport lounges with up to two travel companions at an exclusive rate of $39 per person.
  • 20% discount on in-flight purchases: 20% off purchases like food, beverages, movies, and audio headsets in the form of a statement credit (on Delta flights)
  • Status Boost: Earn 10,000 MQMs for every $25,000 in eligible purchases, up to twice annually.
  • Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)

The information related to Delta SkyMiles® Platinum Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

  • Min. credit levelGood
  • Annual Fee$125
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Why We Picked It

The Marriott Bonvoy Business™ American Express® Card (Review) is a co-branded hotel rewards card, centered on providing rewards and benefits for businesspeople who prefer to stay at Marriott Bonvoy hotels and resorts.

Those benefits include some pretty useful things, like an annual free stay at a category 1–5 hotel. You’ll get automatic Marriott Bonvoy Silver Elite status, granting a level of exclusive and complimentary services at Marriott locations. And a fast track to Marriott Rewards Gold Elite status, which comes with even better perks.

There are no foreign transaction fees, so it’s a good card for traveling anywhere in the world. If you’re spending a lot of time at Marriott Bonvoy hotels for business, you might as well take advantage of some of the benefits you can get with a card like this.

Rewards
Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Marriott Bonvoy Portfolio
  • 4X Marriott Bonvoy Bonus points per dollar for eligible purchases at:
    • U.S. restaurants
    • U.S. gas stations
    • Wireless telephone services purchased directly from U.S. providers
    • U.S. purchases of shipping
  • 2X Marriott Bonvoy Bonus points per dollar spent on all other eligible purchases
Introductory Bonus
  • 125,000 Bonus points & 2 bonus Free Night Awards for spending $5,000 in the first 3 months; Bonus Free Night Awards have a redemption level up to 50K points. Certain hotels have resort fees. Offer ends 11/3/2021.

So you’ll be able to earn points at the Silver Elite status level at Marriott Bonvoy properties with this card. You’ll be able to redeem for award stays, among other options.

You’ll earn a total of 17X points per dollar at Marriott Bonvoy properties, 11X from your membership status and 6X from your card. If your points are worth 0.8–2 cents, you’re looking at a cash back equivalent of 13.6%–34%.

Key Features
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 35,000 points or fewer; earn a second free night by spending $60,000 in a calendar year.
  • Marriott Bonvoy Silver Elite status: Includes a 10% bonus on Base points and priority late checkout
  • Earn Marriott Bonvoy Gold Elite status: Spend $35,000 in a calendar year to gain a Gold Elite membership.
  • Free premium in-room WiFi
  • 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
  • $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
  • Shopping and travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $125

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Business™ American Express® Card (Rates & Fees)

The information related to Marriott Bonvoy Business™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

American Express® Business Gold Card
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Do you use the Business Gold Card from American Express? How do you like it? Leave your own review below, we’d love to hear from you!

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

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Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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