Earn 70,000 Membership Rewards Points with the Amex Business Gold

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American Express is running an excellent new-cardmember offer on the American Express® Business Gold Card of 70,000 bonus points after meeting the minimum spending requirement. That's an incredible return from a card that already features lucrative and dynamic bonus categories.

In addition to the high-value welcome offer, cardmembers earn 4X Membership Rewards points per dollar in the two categories where they spend the most each month.

American Express® Business Gold Card
American Express® Business Gold Card
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Rates & Fees
(Terms apply)
American Express® Business Gold Card
Annual Fee$295
Welcome Bonus Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back 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.*
  • PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • Rates & Fees
Get 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below:
  • 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.

Business Amex Gold Welcome Offer

The Business Amex Gold is sporting a welcome offer of 70,000 Membership Rewards points after you spend $10,000 on your card within the first 3 months.

For reference on how great this deal is, the Business Amex Gold has traditionally offered a 35K point bonus. This offer is double the standard welcome bonus we've seen on this card in the past.

How Much is this Bonus Worth?

When points are used for travel, we assign a baseline value to Membership Rewards points of roughly 1.7¢ each. That's a value we think is attainable for most award travelers, even those with limited experience. At this valuation, the value of the bonus is almost $1,200.

Advanced award travelers can expect to get even more value. We've analyzed over 1,400 bookings made by AwardWallet users for 9 of the 19 Membership Rewards transfer partners. According to this data, AwardWallet members get an average of 2.4¢ per point when redeeming Membership Rewards.

Using this valuation, new cardholders could extract almost $1,680 in value from the new bonus on the Business Amex Gold (70K points @ $0.024 each).

Points Earning Potential and Category Bonuses

Business Amex Gold cardholders earn 4X points on your top two spending categories each month. Thankfully, there's no need to pick categories from the list. The two highest spending categories each month will automatically earn 4X points—up to $150,000 per year in combined spending across bonus categories.

The full list of potential bonus categories includes:

  • 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

If you max out the $150,000 in purchases each year in the 4X categories, you’ll earn a whopping 600,000 Membership Rewards points on your business expenses. That's a massive haul of points. Based on our baseline of 1.7¢ per Membership Rewards point, the points earned on this spend are worth ~$10,200. That equates to an excellent 6.8% return on business spending in these categories!

If you want to tackle a multi-card strategy to maximize the points earned on business expenses, pair the Business Amex Gold card with The Blue Business® Plus Credit Card from American Express.

The Blue Business Plus earns a solid 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners (applies to first $50,000 spent each year, then 1X). Plus, it charges no annual fee (Rates & Fees). That makes it the perfect companion card to the Business Amex Gold card by providing a minimum of 2X points per dollar on your first $50,000 of business expenses each year.

Not familiar with the Membership Rewards transfer partners, or need some inspiration to help redeem your points? Check out some of our favorite sweet spots and transfer partners.

Business Amex Gold Feature Benefits

25% Airline Bonus via Pay With Points

The Business Amex Gold joins The Business Platinum Card® from American Express in offering a rebate when using Amex’s Pay with Points program. However, you'll get a 25% rebate rather than the 35% rebate offered by its Platinum stablemate.

All first and business class flights qualify for this rebate, and any economy fare booked on your selected airline. As you're redeeming points for a cash ticket (Amex books these as a revenue fare), you’ll earn elite status credits and airline miles for flights booked through Pay with Points. This benefit is capped at 250,000 points rebated per year.

No Preset Spending Limit

The Business Amex Gold provides cardholders with increased spending capacity, allowing you to make purchases on the card without hitting a pre-defined cap. Amex determines the purchasing power of your card by factoring in your previous use of the card, payment history, credit record, and the financial resources available to you.

Pay Over Time Option

Where most small business cards require you to pay down the entire balance of the card each month, Business Amex Gold cardholders are automatically enrolled in Amex’s Pay Over Time program. This allows you to revolve certain charges with interest.

Purchase and Travel Protection Benefits

The Business Amex Gold primarily focuses on earning points over perks. With that said, the card has retained a lot of useful benefits that other cards have lost and it's even added new travel protection benefits like trip delay coverage.

In addition to the perks listed above, cardholders receive an array of purchase and travel protection benefits including:

  • Extended Warranty
  • Purchase Protection
  • Return Protection
  • Baggage Insurance
  • Secondary Car Rental Loss and Damage Insurance
  • Roadside Assistance
  • Travel Accident Insurance

Combine the Business Amex Gold and Blue Business Plus with the Business Platinum Card to get:

Application Restrictions

The Business Amex Gold card features the once per lifetime language for existing or previous cardholders that applies to all Amex cards. That means you may be restricted from earning the welcome offer if you’ve held this card in the past.

“Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.”

It’s also a perfect card to apply for if you’re holding off on personal card applications to get back under Chase's 5/24 policy. The Business Amex Gold card is a business card, and won’t count towards your 5/24 count as it doesn't show up on your consumer credit report on any of the 3 major bureaus.

Final Thoughts

The current offer of 70,000 points after meeting the minimum spending requirement means now is a great time to apply for the Business Amex Gold.

The Business Amex Gold remains a great choice for those with high spending among the 4X categories. Paired with other cards in the Membership Rewards business card portfolio like the Blue Business Plus and Business Platinum Card, the Business Amex Gold can generate a lot of Membership Rewards points and enjoy plenty of benefits.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Business Gold Card (Rates & Fees), and The Blue Business® Plus Credit Card from American Express (Rates & Fees)

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  • Got an even higher offer in my account for 90k points.
    Spend and timeframe is the same.

  • My application for this card was rejected despite having a healthy 5 year old business and a personal credit score in the mid-700s. Any idea what AMEX is looking for? The benefits of this card would be great for me and I’m not sure how to improve my application.

  • a very good offer to take advantage of. good way to rack up MR points to eventually cash out with amex schwab 1.25 redemption rate in my opinion.

    • I had to investigate your reference to Schwab. It sounded somehow like another MR redemption opportunity. And, it is. But, only if you have the Amercian Express Platinum Card for Schwab, a distinct card.

  • Are the other Amex cards that are offering points and money in the same boat? Looking to refer my wife to a Hilton card. Is that promotion ending soon?

  • I hope we could travel again soon

  • David Robbins says:

    I have 80 paydex 85 experian business but 595 fico 8 experian is there any thing I can get

    • Hey David, I’m not familiar with the business credit scoring, but those generally don’t matter much for rewards cards that have a personal guarantee. 595 is probably not going to make the cut for rewards cards, but don’t give up on improving your score: Here’s a good resource that may be able to help you find opportunities to improve.

      I would recommend looking at secured cards or entry-level credit cards that are designed to build credit if you don’t have one already. That might help you accelerate the process.

      • David Michale Robbins says:

        I have 13 open accounts 11 perfect payment 2 30 days late but they never were I was victim of identity theft I filled police reports hole year no anything but fraud alert of experian and companies keep screwing me idk perfect 100 % payment history 4 hard inqurires I got damn 599

        • Wow, that sounds frustrating. You might try an application with one of the issuers for which you have a perfect history. You’ll probably be declined by the automated system, but you may be able to discuss the situation with someone on the reconsideration/credit decisions team. Unfortunately, it seems like applying for new credit will be a hassle until you are able to get your credit file cleaned up.

  • Looks like some good bonuses for those who hold the Amex Gold card.

  • Guillermo Hess says:

    Buena promoción pero para Argentina no se si esta disponible y el monto es un poco alto por el tipo de cambio…grs

  • Not really sure I need to get this on top of the Amex Gold I currently own. Seems redundant.

  • I’ve found AwardWallet’s free MCC tool to be invaluable for determining, in advance, how certain charges will code on given credit cards. I only wish AwardWallet would restore their tracking for AMEX plyCash and SimplyCash+ Cards.

  • I would love to get this Amex business credit card with the amazing bonus. Unfortunately I would never be able to make the minimum spend in three months.

  • This is a very good bonus but with a very high threshold of $10k in spend. If you can qualify and have planned a spend of that much, you should try to get this card.

  • Will this card count in the 5/24 rule? I need to make sure, don’t won’t to go over. Thanks!

  • Nice offer to take advantage of. I would take that 70k bonus and the nice 300 of credit!

  • Can you please advise Amex Corporate we need the ROSE GOLD Card in Canada…

    This is the 3rd USA round of rose gold and still not launched in Edmonton , I’ve been waiting patiently for 5 years.