Current offer
Earn as high as 200,000 points
After spending $15,000 in the first 3 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
Estimated first year value
Based on our valuation of this card.
Compare with another card
See how this card stacks up side by side.
Current offer
Earn as high as 200,000 points
After spending $15,000 in the first 3 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
The point.me verdict
The American Express® Business Gold Card rewards focused spenders: 4x on your top two eligible categories each year up to $150,000, one of the best earn rates on a business card. Statement credits can offset the $375 fee. The catch: outside those categories there's little bonus earning, and fewer credit options than similar Amex cards. Show rates & fees.
What we love
- 4x on your top two eligible categories annually, across six category types, up to $150,000
- Statement credits that can offset most of the $375 fee if used organically
What we don't
- Little bonus earning outside the top-two categories despite the $375 fee
- Fewer credit options than other Amex cards at a similar fee
Amex Membership Rewards
American Express Membership Rewards points for US-issued cards can be transferred to more than 20 airline and hotel partner programs, offering members a wide variety of redemption paths. A few especially noteworthy partners include ANA Mileage Club, Delta SkyMiles, and Hilton Honors, the latter of which stands out thanks to its favorable 1:2 transfer ratio that stretches points further.
Rewards on this card
- 4xTop 2 monthly business spend categories (of 6 eligible)Earns 4X on the first $150,000 in combined purchases from the top 2 categories each calendar year, then 1X thereafter. Only the top 2 categories each billing cycle count toward the $150,000 cap. Cap is combined across both top categories
- 3xFlights booked through AmexTravel.comIncludes bookings made through the Amex Travel App℠
- 3xPrepaid hotels booked through AmexTravel.comIncludes bookings made through the Amex Travel App℠
Card Benefits
Discover the perks included with this card, on top of what you earn.
- $300
ChatGPT Business Credit (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.
- $240
Grubhub, Office Supply Stores & UPS Credit (enrollment required)
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240.
- $155.4
Walmart+ Membership Credit
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.
- $150
Squarespace Credit (enrollment required)
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
223,400 pts ≈ $3,798
Your first year in annual value
