{"id":128210,"date":"2023-10-04T20:00:11","date_gmt":"2023-10-04T20:00:11","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=128210"},"modified":"2026-04-08T13:48:13","modified_gmt":"2026-04-08T13:48:13","slug":"business-gold-refresh","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/amex-membership-rewards\/business-gold-refresh\/","title":{"rendered":"American Express\u00ae Business Gold Card Refresh: More Perks and a Higher Annual Fee"},"content":{"rendered":"<p><strong><\/p>\n<p class=\"custom-blue\"><em>The changes below have taken effect, and this post is no longer being updated. Here is our <a href=\"https:\/\/awardwallet.com\/blog\/tag\/major-updates\/\" target=\"new\">archive of major updates<\/a> from card issuers and loyalty programs.<\/em><\/p>\n<p><\/strong><\/p>\n<p>The <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a> has long been an incredible asset for business owners. Arguably one of the best business credit cards out there, the Amex Business Gold features lucrative and dynamic bonus categories, expansive purchase protections, a lengthy list of statement credits, and more \u2014 all while earning <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">valuable Membership Rewards<\/a>.<\/p>\n<p>On October 3, 2023, American Express <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-us\/newsroom\/articles\/products-and-services\/american-express-introduces-refreshed-u-s--business-gold-card.html\" rel=\"noopener\">announced<\/a> a refresh to the card, with all changes except the annual fee increase taking effect immediately.<\/p>\n<p>There's a lot to unpack, so here's what you need to know about changes to the Amex Business Gold.<\/p>\n<h2><span id=\"Increased_Annual_Fee\">Increased Annual Fee<\/span><\/h2>\n<p>One of the main changes with the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a>&#8216;s refresh is a much higher annual fee, going up by $80 to $375.  (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\" rel=\"noopener\">Amex Business Gold full review<\/a><\/strong><\/p>\n<h2><span id=\"Spending_Category_Adjustments\">Spending Category Adjustments<\/span><\/h2>\n<p>One of the most valuable aspects of the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a> has been its ability to earn 4X Membership Rewards points in the top two eligible categories where your business spent the most each billing cycle (applicable on the first $150,000 in combined purchases annually, then 1x). This earning structure will remain the same, but American Express has added three categories and removed two others.<\/p>\n<p>Here's what's staying the same:<\/p>\n<ul>\n<li>U.S. purchases at gas stations<\/li>\n<li>U.S. purchases at restaurants, including takeout and delivery<\/li>\n<li>U.S. purchases for advertising in select media (online, TV, radio)<\/li>\n<\/ul>\n<p>Here's what's new:<\/p>\n<ul>\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers.<\/li>\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\n<li>Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.<\/li>\n<\/ul>\n<p>And here's what's going away:<\/p>\n<ul>\n<li>Airfare purchased directly from airlines.<\/li>\n<li>U.S. purchases for shipping.<\/li>\n<\/ul>\n<p>For all other purchases, cardmembers will continue to earn 1X Membership Rewards per dollar spent.<\/p>\n<p>How these changes impact businesses largely depends on each business's unique spending. For some, these changes will be extremely welcome. For others, it might be enough of a reason to look for another business card.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028093\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> 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. Find out your offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> 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. Find out your offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$375<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com or the Amex Travel App\u2122, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx (through 10\/01\/2026), Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards&#xAE; 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.<\/li><li>Earn 4X Membership Rewards&#xAE; 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.<\/li><li>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.<\/li><li>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.<\/li><li>Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.<\/li><li>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.<\/li><li>Earn 3X Membership Rewards&#xAE; points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App&#x2122;.<\/li><li>The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.<\/li><li>Terms Apply<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizGold\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-6-26d2a4436d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"New_Statement_Credits\">New Statement Credits<\/span><\/h2>\n<p>Statement credits offer an excellent way to recoup a card's annual fee \u2014 and they're coming to the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a>. American Express is introducing the following statement credits to the card, which can carry up to $395 of value annually.<\/p>\n<ul>\n<li><strong>Flexible Business Credit:<\/strong> Earn up to $20 in monthly statement credits ($240 per year) for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment is required.<\/li>\n<li><strong>Walmart+ Membership Credit:<\/strong> Valued at $155 annually, you can receive a statement credit to cover the cost of a monthly Walmart+ membership (up to a $12.95 statement credit back each month).<\/li>\n<\/ul>\n<p>The new flexible spending credit might not relieve the sting of losing the 4X U.S. shipping category for some businesses, but it is a nice addition that will recoup most of the card's annual fee.<\/p>\n<h2><span id=\"Higher_Earnings_on_Amex_Travel\">Higher Earnings on Amex Travel<\/span><\/h2>\n<p>As part of the refresh, the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a> will now earn 3X Membership Rewards points on eligible purchases made through AmexTravel.com or the <span style=\"font-weight: 400;\">Amex Travel App\u2122<\/span>. Amex Travel is American Express' in-house online travel portal that lets cardmembers book flights, hotels, cruises, and more.<\/p>\n<p>While 3X Membership Rewards on purchases are generally something to get excited over, American Express' subsequent removal of the 25% rebate when Paying with Points (effective February 1, 2024) quickly made this new perk much less valuable. It'll be hard \u2014 if not impossible \u2014 for most cardholders to make up for the loss of the rebate value by earning Membership Rewards at the new 3X rate. If you want to use the Pay with Points rebate until then, note that it offers up to 250,000 points back annually on first- or business-class flights with any airline or flights in any cabin with a preferred airline you select in advance.<\/p>\n<p>Enrollment is required for select Amex benefits.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-travel\/\" rel=\"noopener\">Complete Guide to the American Express Travel Portal<\/a><\/strong><\/p>\n<h2><span id=\"Cell_Phone_Protection\">Cell Phone Protection<\/span><\/h2>\n<p>American Express has brought cell phone protection to the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a>. With this benefit, cardholders can receive reimbursement for theft or damage for a maximum of $800 per claim. There's a limit of two approved claims per 12-month period, and a $50 deductible will apply to each approved claim.<\/p>\n<h2><span id=\"Rose_Gold_Option\">Rose Gold Option<\/span><\/h2>\n<p>Much like the consumer version (the <a data-ccid=\"4028085\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-gold-card\/\">American Express<sup>\u00ae<\/sup> Gold Card<\/a>), the Amex Business Gold is now available in stylish rose gold.<\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">Amex Business Gold<\/a> has been refreshed and now sports adjusted bonus categories, higher earnings on Amex Travel, up to $395 in annual statement credits, and can be issued in rose gold. While every business might not warmly receive the changes, the card will likely continue to provide outsized value to numerous small businesses.<\/p>\n<p>Except for the annual fee and loss of the Pay with Points feature, other changes have already taken effect. Between now and January 31, 2024, new and current cardmembers can take advantage of the monthly statement credits, modified bonus categories, and other perks without paying the higher annual fee.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Increased_Annual_Fee\">Increased Annual Fee<\/a><\/li><li><a href=\"#Spending_Category_Adjustments\">Spending Category Adjustments<\/a><\/li><li><a href=\"#New_Statement_Credits\">New Statement Credits<\/a><\/li><li><a href=\"#Higher_Earnings_on_Amex_Travel\">Higher Earnings on Amex Travel<\/a><\/li><li><a href=\"#Cell_Phone_Protection\">Cell Phone Protection<\/a><\/li><li><a href=\"#Rose_Gold_Option\">Rose Gold Option<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The American Express\u00ae Business Gold Card has been refreshed and now sports adjusted bonus categories, higher earnings on Amex Travel, up to $395 in annual statement credits, and can come in rose gold, plus a higher annual fee to go with it. Here&#8217;s all you need to know about the card&#8217;s new changes.<\/p>\n","protected":false},"author":80,"featured_media":115699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12790],"coauthors":[36432],"class_list":["post-128210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-american-express"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/128210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=128210"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/128210\/revisions"}],"predecessor-version":[{"id":174406,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/128210\/revisions\/174406"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/115699"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=128210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=128210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=128210"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=128210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}