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What if we told you that you could unlock tons of benefits, earn lucrative rewards across multiple business categories, and score a welcome offer as high as 200,000 Membership Rewards points with one card? Well, you can, and it starts with checking your personal American Express® Business Gold Card offer.
Here’s everything you need to know about the Amex Business Gold, its new offer, and how to see what you’re targeted for.
(Terms apply)
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- 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.*
- 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.
Amex Business Gold Welcome Offers: as high as 200,000 Points
The Amex Business Gold is one of our favorite business cards, and its new offers are worth your attention.
If you're a new applicant for this card, you may be eligible for a welcome bonus as high as 200,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Here’s how the process works if you apply for the Amex Business Gold and you're approved:
- Find out your offer amount
- Accept the card with your offer
- Spend $15,000 in your first 3 months of Card Membership
- Receive your Amex Membership Rewards points
Welcome offers vary, and you may not be eligible for an offer. But if you're approved and don't like the offer you receive, you're under no obligation to accept the card.
The Amex application process is a little different from what you might have experienced with other card issuers. Once you submit your application, you'll be able to see if you're approved and learn your exact welcome offer — with no impact on your credit score. If you decide to accept the offer, your credit score may be impacted, but not before then.
Related: This Month's Top Small Business Card Offers
What are Amex Membership Rewards points worth?
Because these offers are labeled “as high as,” the exact welcome bonus you receive may vary. To give you a sense of what it could be worth, AwardWallet users typically get around 1.99¢ per point when redeeming Amex Membership Rewards.
Much of this value comes from transferring points to Amex’s travel partners. Some partners offer more value than others, but it’s still easy to turn a welcome bonus from the Amex Business Gold into award flights, hotel stays, or a mix of the two.
Related: How to Redeem Amex Membership Rewards Points — And Which Options Offer the Best Value
Why Should You Get the Amex Business Gold?
There are several reasons why the Amex Business Gold could make a great addition to your business wallet. Here's an overview of the top three.
Earning rates
Part of what makes the Amex Business Gold unique and continuously rewarding its its earning structure.
Most notably. you can earn 4X Membership Rewards points on the top two eligible categories (from a list of six) where your business spends the most each month. You'll 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.
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.
Additionally, Card Members can enjoy 3X points on flights and prepaid hotels booked on amextravel.com and 1X on other purchases.
Related: American Express® Business Gold Card Full Review
Statement credits
Compared to other business cards, the Amex Business Gold‘s $375 annual fee (Rates & Fees) may seem steep. Thankfully, the card offers up to $395 in business value via statement credits, which eclipses that annual fee!
The Amex Business Gold offers two noteworthy credits; here's a breakdown of each:
- $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, 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.
Spending, purchase, travel, and protection benefits
But wait, there's more. Card Members 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
Final Thoughts
While the American Express® Business Gold Card isn’t for every business, it can offer incredible value if you’re able to take full advantage of its benefits. And if it’s a good fit for yours, now’s a great time to apply while the card is featuring welcome offers as high as 200,000 Membership Rewards points. A balance this large can fund all kinds of award travel.
(Terms apply)
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- 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.*
- 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.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Business Gold Card (Rates & Fees)
