American Express® Business Gold Card
🚨 New Offer! As High As 200,000 points. Find out your offer!
You may be eligible for as high as 200,000 Membership Rewards® 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.
WELCOME OFFER
100,000 bonus points
As High as 200,000 points!
ANNUAL FEE
$375
BONUS CATEGORIES
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 or the Amex Travel App™ using your Business Gold Card.*
1X is earned for other purchases.
Why We Like It
If your business has regular expenses, this card makes it really easy to earn a lot of flexible points—without overthinking it.
👉 Low-risk way to check your offer
You can see if you’re eligible for the welcome offer before a hard credit pull, which is a nice bonus if you’re planning your next card.
👉 It rewards what you already spend on
You’ll earn 4X Membership Rewards® points on your top 2 spending categories each billing cycle (from a list of 6 categories) The best part? You don’t have to pick—Amex automatically adjusts based on where your business is spending the most.
👉 Monthly credits that add up
You can get up to:
• $20/month for eligible purchases at FedEx, Grubhub, and office supply stores (through 10/01/2026)
• $12.95/month toward a Walmart+ membership
If you naturally use these, that’s up to $240+ in annual value.
Bottom line:
This is one of our favorite cards for business owners who want to earn points quickly on everyday spending—especially if your expenses vary month to month and you don’t want to constantly optimize categories.
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EDITORIAL NOTE:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included with the post.