American Express® Business Gold Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 24.24% (Variable)
Balance Transfer
-
Rewards
1 point
Signup Bonus
-


7.3/10
Informr score
The American Express® Business Gold Card currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 9 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...


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.

- Andy Shuman, CreditCards.com
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.

- Compare Cards
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 small-business credit cards.

- Emily Long, The Wirecutter
NextAdvisor

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...

- NextAdvisor
Money Crashers

The Business Gold Card is ideal for business owners with high spending needs in at least one of the favored spending categories, plus those with a preference for a generous rewards program with lots of versatile redemption options. It’s not suitable for business owners who can’t earn rewards fast en...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 24.24% (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 $38.00

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

Promotions
Sign up bonus

Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx.

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 Yes
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
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

- Premium Roadside Assistance

- Baggage Insurance Plan

- Dispute Resolution

- Return Protection

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


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

Less

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

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 small-business credit cards.

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 small-business credit cards.

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

Money Crashers

Generous and versatile rewards

from Money Crashers

The Business Gold Card is ideal for business owners with high spending needs in at least one of the favored spending categories, plus those with a preference for a generous rewards program with lots of versatile redemption options. It’s not suitable for business owners who can’t earn rewards fast enough to justify the $295 annual fee.

Read full review

The Business Gold Card is ideal for business owners with high spending needs in at least one of the favored spending categories, plus those with a preference for a generous rewards program with lots of versatile redemption options. It’s not suitable for business owners who can’t earn rewards fast enough to justify the $295 annual fee.

Read full review

Less

Travel Update

One of the best business cards in the industry

from Travel Update

The American Express Business Gold Card is a great choice for entrepreneurs and business owners who spend heavily within the bonus categories and can use Amex’s travel partners. If you have a medium-sized travel budget and you don’t want major benefits, this card is great.

Read full review

The American Express Business Gold Card is a great choice for entrepreneurs and business owners who spend heavily within the bonus categories and can use Amex’s travel partners. If you have a medium-sized travel budget and you don’t want major benefits, this card is great.

Read full review

Less

NerdWallet

Bonus rewards change with you

from NerdWallet

Having rewards categories that automatically sync with expenses can be a boon. But other cards offer a similar degree of customization, for lower annual fees.

Read full review

Having rewards categories that automatically sync with expenses can be a boon. But other cards offer a similar degree of customization, for lower annual fees.

Read full review

Less

AwardWallet

Earn plenty of point, enjoy a host of perks

from AwardWallet

The Business Amex Gold is a rewards focused card aimed at maximizing the number of points received from your annual business expenses, although it's a little light on benefits for the annual fee. The revised welcome offer only provides tangible value for a small subset of businesses, and we don...More

The Business Amex Gold is a rewards focused card aimed at maximizing the number of points received from your annual business expenses, although it's a little light on benefits for the annual fee. The revised welcome offer only provides tangible value for a small subset of businesses, and we don’t see it being a primary motivator to acquire the card. Rather, it’s icing on the cake if you already use either service prior to getting the Business Amex Gold.

Read full review

Less

The Points Guy

Great value to be found

from The Points Guy

The new Business Gold Card is certainly not for everyone, but for larger companies looking for a no-hassle one-card strategy that still earns travel rewards, this could be a great option. Much of the mental calculus around this card boils down to how much you’re able to spend on the 4x bonus ca...More

The new Business Gold Card is certainly not for everyone, but for larger companies looking for a no-hassle one-card strategy that still earns travel rewards, this could be a great option. Much of the mental calculus around this card boils down to how much you’re able to spend on the 4x bonus categories and whether or not you get any value out of the ZipRecruiter and G Suite welcome offer.

Read full review

Less

User Reviews


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