American Express® Business Gold Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.24% ‐ 22.24% (Variable)
Balance Transfer
-
Rewards
1 point
Signup Bonus
35000 points (after spending $5,000)


7.7/10
Informr score
The American Express® Business Gold Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?


American Express® Business Gold Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Wirecutter

The American Express Business Gold comes with a striking rewards rate on certain spending categories—but it’s also one of American Express’s priciest business credit cards. Business owners could land a decent intro bonus and some business-oriented perks, but getting the most out of your card can be...

- Emily Long, The Wirecutter
Investopedia

Even with its steep annual fee of $295, the American Express Gold Business card can be lucrative for small business owners who spend heavily in its bonus categories. And the six possible categories are broad enough—ranging from airfare to shipping to computer hardware—as to suit almost any enterpris...

- Mitchell Strohm, Investopedia
MyBankTracker

The could be a good choice for businesses that spend a lot and want a high rewards rate. Earning points with this card could be particularly valuable if you plan to redeem them for business travel. You may want to look for another card if you'd prefer to pay a lower or no annual fee or if you'd rath...

- Rebecca Lake, MyBankTracker
UponArriving

I actually am a huge fan of this card if you can utilize the bonus earning potential. If you are not able to catch this card with a high welcome bonus of 50,000 points or more, then you really need to make sure you are going to be putting a lot of spend on it to justify the annual fee.

- Daniel Gillaspia, UponArriving
One Mile at a Time

One of American Express’ best business credit cards for earning Membership Rewards points. However, the card has a steep annual fee, so isn’t for everyone. I tend to think the “no brainer” Amex business card is the Blue Business Plus Card. If you’d benefit greatly from the 4x points categories, or t...

- Ben, One Mile at a Time

Details


Interest Rates
Regular APR Interest Rate 14.24% ‐ 22.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate


Cash Advance Interest Rate


Rates & Fees
Annual Fee $295.00

Waived on the first year.

Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00


Late Payment Fee $39.00

Or 2.99% of any past due Pay in Full amount, whichever is greater.

Promotions
Sign up bonus 35000 points after spending $5,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 4 points per $1 spent on the 2 categories where your business spent the most each billing cycle from the list below

Earn 1 point per $1 spent on all other purchases.


Categories you can choose from include:


  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping


4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

- Get 25% points back, after you book a flight using Pay with Points

- Spend Manager

- Year-End Summary

- Account Alerts

- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection

- Baggage Insurance Plan

- Dispute Resolution

- Trip Delay Insurance

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Wirecutter

Generous business rewards, high annual fee

from The Wirecutter

The American Express Business Gold comes with a striking rewards rate on certain spending categories—but it’s also one of American Express’s priciest business credit cards. Business owners could land a decent intro bonus and some business-oriented perks, but getting the most out of your card can be a challenge.

Read full review

The American Express Business Gold comes with a striking rewards rate on certain spending categories—but it’s also one of American Express’s priciest business credit cards. Business owners could land a decent intro bonus and some business-oriented perks, but getting the most out of your card can be a challenge.

Read full review

Less

Investopedia

Excellent rewards for business owners who spend steadily on select expenses

from Investopedia

Even with its steep annual fee of $295, the American Express Gold Business card can be lucrative for small business owners who spend heavily in its bonus categories. And the six possible categories are broad enough—ranging from airfare to shipping to computer hardware—as to suit almost any en...More

Even with its steep annual fee of $295, the American Express Gold Business card can be lucrative for small business owners who spend heavily in its bonus categories. And the six possible categories are broad enough—ranging from airfare to shipping to computer hardware—as to suit almost any enterprise. In addition, the card offers what is essentially a short-term cash-flow relief by allowing businesses to tap loans of up to 90 days at relatively modest cost.

Read full review

Less

MyBankTracker

Designed for business travelers

from MyBankTracker

The could be a good choice for businesses that spend a lot and want a high rewards rate. Earning points with this card could be particularly valuable if you plan to redeem them for business travel. You may want to look for another card if you'd prefer to pay a lower or no annual fee or if you'd r...More

The could be a good choice for businesses that spend a lot and want a high rewards rate. Earning points with this card could be particularly valuable if you plan to redeem them for business travel. You may want to look for another card if you'd prefer to pay a lower or no annual fee or if you'd rather earn cash back or miles instead. Overall, however, this card shines if you want to combine the benefits of a rewards card with a business charge card.

Read full review

Less

UponArriving

A very interesting small business card

from UponArriving

I actually am a huge fan of this card if you can utilize the bonus earning potential. If you are not able to catch this card with a high welcome bonus of 50,000 points or more, then you really need to make sure you are going to be putting a lot of spend on it to justify the annual fee.

Read full review

I actually am a huge fan of this card if you can utilize the bonus earning potential. If you are not able to catch this card with a high welcome bonus of 50,000 points or more, then you really need to make sure you are going to be putting a lot of spend on it to justify the annual fee.

Read full review

Less

One Mile at a Time

Worth it if you benefit from the 4x categories

from One Mile at a Time

One of American Express’ best business credit cards for earning Membership Rewards points. However, the card has a steep annual fee, so isn’t for everyone. I tend to think the “no brainer” Amex business card is the Blue Business Plus Card. If you’d benefit greatly from the 4x points ca...More

One of American Express’ best business credit cards for earning Membership Rewards points. However, the card has a steep annual fee, so isn’t for everyone. I tend to think the “no brainer” Amex business card is the Blue Business Plus Card. If you’d benefit greatly from the 4x points categories, or the first year G Suite and ZipRecruiter membership, then I think this card could definitely be worth it. Otherwise, I think the Ink Business Preferred℠ Credit Card is the business credit card to get.

Read full review

Less

FinanceBuzz

Rewards tailored to your spending

from FinanceBuzz

If you’re a business owner with diverse spending habits who wants to maximize credit card rewards, the American Express Business Gold Card could be right for you. That’s because there’s no preset spending limit — you can spend more as your needs arise, and you aren’t stuck earning bonus...More

If you’re a business owner with diverse spending habits who wants to maximize credit card rewards, the American Express Business Gold Card could be right for you. That’s because there’s no preset spending limit — you can spend more as your needs arise, and you aren’t stuck earning bonus rewards in predetermined spending categories set by the card issuer. Your bonus rewards change each billing cycle based on what you’ve used your card to purchase.

Read full review

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Business Insider

Combination of compelling rewards and valuable benefits

from Business Insider

If you run a business and love to travel, you should know about the American Express Business Gold Card. The new and improved version is best for business owners and managers who regularly travel for business. Because the card rewards you in the categories where you spend the most, it's a good fit for a wide range of businesses.

Read full review

If you run a business and love to travel, you should know about the American Express Business Gold Card. The new and improved version is best for business owners and managers who regularly travel for business. Because the card rewards you in the categories where you spend the most, it's a good fit for a wide range of businesses.

Read full review

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CreditCards.com

Valuable introductory offers

from CreditCards.com

The American Express Business Gold Card is a solid choice for a small-business owner who wants to earn and redeem points for business or family travel.

Read full review

The American Express Business Gold Card is a solid choice for a small-business owner who wants to earn and redeem points for business or family travel.

Read full review

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Compare Cards

Big expenses, powerful rewards: earn 4X points on category you choose

Compare Cards

American Express® Business Gold Card is a great business card with a generous rewards program. You can earn a large amount of points that you can easily redeem, while also enjoying a whole menu of other handy, business-friendly features.

Read full review

American Express® Business Gold Card is a great business card with a generous rewards program. You can earn a large amount of points that you can easily redeem, while also enjoying a whole menu of other handy, business-friendly features.

Read full review

Less

NextAdvisor

High reward earning potential

Prospective cardholders should keep in mind that the American Express® Business Gold Card has a pretty high annual fee of $295. However, with free employee cards with no annual fee, the valuable subscription bonus, a high rewards rate and a host of expense management tools and American Express perks, it could be well worth the fee.

Read full review

Prospective cardholders should keep in mind that the American Express® Business Gold Card has a pretty high annual fee of $295. However, with free employee cards with no annual fee, the valuable subscription bonus, a high rewards rate and a host of expense management tools and American Express perks, it could be well worth the fee.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.