ccdeck
American Express

American Express Business Gold Card

The Business Gold is American Express's mid-tier business charge card, and its earning structure is built to flex with how a company actually spends. You earn 4X Membership Rewards points on the two categories where your business spends the most each billing cycle, chosen from six options that cover advertising, software and cloud, restaurants, gas, transit, and wireless, on the first $150,000 in combined purchases each calendar year. The catch is that only two categories earn the elevated rate at a time and everything else drops to 1X, so the card pays off for a business whose spend concentrates in a couple of those buckets rather than one spread thin across all six.

Apply at Amex Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

American Express Business Gold Card card art
  • Annual fee
    $375
    $31.25/mo equivalent
  • Welcome offer
    200,000 points
    ≈$3,000 at our valuation
    after $15,000 in 3 months
  • Recommended credit
    720-800
    Median 760. See why →

Earning rates

on American Express Membership Rewards
  • 4x
    Advertising
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 4x
    Dining
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 4x
    Electronics
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 4x
    Gas
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 4x
    Transit
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 4x
    Wireless
    Top 2 categories/cycle, to $150k/yr
    Cap $150,000
  • 3x
    Travel
    AmexTravel.com only
    via portal
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • Global Assist Hotline
  • No Foreign Transaction Fees
  • Transfer Points to 20 Travel Partners

Purchase and protection benefits

  • Cell Phone Protection
  • Extended Warranty
  • Purchase Protection

business

  • $150 Squarespace Credit
    $150/year
  • $240 Flexible Business Credit
    $20/month
  • $300 ChatGPT Business Credit
    $300/year
  • Walmart+ Monthly Membership Credit
    $12.95/month

Travel and purchase coverage

  • Baggage delay
    Secondary coverage
  • Rental car collision damage waiver
    Secondary coverage
  • Trip delay reimbursement
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Pay Over Time APR
17.74% to 28.49%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
Not disclosed
Fee Not disclosed
Cash advance
Not disclosed
Fee Not disclosed
Late / returned
$39 · $39

Eligibility and application

  • Card type
    Business charge card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons
  • American Express Gold Card card art
    American Express Gold Card
    Amex

    The Amex Gold is built around dining and groceries, and it carries the highest non-promotional supermarket rate of any premium card.

    $325 annual fee
    View card Compare
  • Ink Business Premier Credit Card card art
    Ink Business Premier Credit Card
    Chase · Visa

    The Ink Business Premier is Chase's pay-in-full Ink, with a 2% baseline on everything, 2.5% on individual purchases of $5,000 or more, and 5% on Chase Travel.

    $195 annual fee
    View card Compare
  • Capital One Venture X Rewards Credit Card card art
    Capital One Venture X Rewards Credit Card
    Capital One · Visa

    The Venture X is Capital One's answer to the Sapphire Reserve and Amex Platinum, a metal $395 travel card that earns 2x miles flat on everything, plus 10x on hotels and 5x on flights when booked through Capital One Travel.

    $395 annual fee
    View card Compare

Sources

Data current as of June 4, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.