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American Express® Business Gold Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.99% ‐ 25.99% (Variable)
Interest Rate: Purchases
17.99% ‐ 25.99% (Variable)
Balance Transfer
Balance Transfer
1 point
1 point
Signup Bonus
70000 points (after spending $10,000)
Signup Bonus
70000 points (after spending $10,000)

Informr score
The American Express® Business Gold Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 23 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...


If you’re a business owner with diverse spending habits who wants to maximize 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 predeter...

- Christy Rakoczy, FinanceBuzz

The American Express Business Gold is our top card pick for business travelers, thanks to its flexibility and value potential. If you’re a business owner with variable expenses, you will enjoy the American Express Business Gold Card’s flexible rewards structure that earns where you spend most, plus...

- Holly Johnson, NextAdvisor
Upgraded Points
Upgraded Points

If you’re a small business owner who has a significant level of spend in 1 of the 6 bonus categories (such as advertising on Facebook or Google Ads), and would benefit from card perks like purchase protection and extended warranty coverage, then the card might be a great fit for you.

- Jarrod West, Upgraded Points

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,
Fit Small Business
Fit Small Business

The American Express® Business Gold Card is best for business owners who use their card for everyday expenses and want to redeem travel rewards.

- Tricia Tetreault, Fit Small Business


Interest Rates
Regular APR Interest Rate 17.99% ‐ 25.99% (Variable)
  • This APR will vary with the market based on the Prime Rate.
  • For pay over time feature
Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate

Not available

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.

Sign up bonus 70000 points after spending $10,000

On purchases within the first 3 months

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, including takeout and delivery
  • 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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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