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The
(Terms apply)
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
How the offer check actually works
Amex's application process works differently from most issuers. Instead of a flat “approved or denied,” you'll see your specific welcome offer before you commit to anything:
- Find out your offer amount without any impact on your credit
- Decide whether to accept the card at that offer
- Spend $15,000 in your first 3 months of Card Membership
- Receive your
Amex Membership Rewards
If you are not happy with your offer, you walk away with nothing on your credit report. Your score is only affected once you accept.
What 200,000 Membership Rewards points are worth
Point counts don't mean much on their own. Based on AwardWallet's own redemption data across 31,000+ Amex transfers, AwardWallet users typically get around 2.03¢ per point when redeeming Membership Rewards, mostly through transfers to Amex’s travel partners. At that rate, a 200,000-point welcome offer is around $4,000 in travel value, on top of whatever you'd normally earn from $15,000 of business spend.
Where the earning rate pays off
You'll earn 4X points on your top two spending categories each month (from six eligible categories), up to $150,000 combined per year. If your business is already paying for software subscriptions, running ads, or covering a team's wireless bills, this card is earning at 4X on money you're spending anyway.
Beyond that: 3X on flights and prepaid hotels through amextravel.com, 1X everywhere else.
Here's the list of bonus categories:
- U.S. purchases for advertising in select media (online, TV, radio).
- U.S. purchases made from electronic goods retailers and software & cloud system providers.
- U.S. purchases at gas stations.
- U.S. purchases at restaurants, including takeout and delivery.
- Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Related: American Express® Business Gold Card Full Review
The annual fee math
The $375 annual fee (Rates & Fees) looks steep in isolation. Run the numbers on the credits and it's close to a wash before the welcome offer even factors in:
- $240 flexible business credit: Earn up to $20 in statement credits each month when you use your card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and office supply stores.
- Walmart+ monthly membership credit: Receive up to $12.95 per month plus applicable taxes for a monthly Walmart+ membership you charge to your card.
Enrollment is required for select Amex benefits.
That's up to $395 in credits against a $375 fee, assuming you use both.
Add in no foreign transaction fees (Rates & Fees), purchase protection, extended warranty, trip delay reimbursement, and baggage insurance, and the fee is doing very little work against what the card actually returns.
Spending, purchase, travel, and protection benefits
Cardholders can also enjoy several additional benefits courtesy of the Amex Business Gold:
- No preset spending limit
- No foreign transaction fees (Rates & Fees)
- Experience credits and elite-like benefits on 2+ night stays booked at The Hotel Collection properties through Amex Travel
- Trip delay reimbursement
- Extended warranty
- Purchase protection
- Baggage insurance
- Secondary car rental loss and damage insurance
- Cell phone protection
- Global Assist Hotline
(Terms apply)
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Final Thoughts
This American Express® Business Gold Card isn't a fit for every business. If you're not running $15,000 through it in three months, the welcome offer isn't reachable, and the category bonuses assume real ad, software, or wireless spend to matter.
But if that spend is already happening, checking your offer costs you a minute and nothing on your credit report. Given offers are running as high as 200,000 points right now, that's worth doing before deciding either way.
Apply for the American Express® Business Gold Card.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Business Gold Card (Rates & Fees)
