Amex Business Gold Card Review 2024

09.02.2024 - 09:59 / insider.com

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The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

Earn 4x Membership Rewards® Points on the first $150,000 spent each calendar year in combined purchases from the top 2 business categories where your business spent the most each billing cycle (then 1x points per dollar). Earn 3x Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com. Earn 1x Membership Rewards® Points on all other purchases.

$375

N/A

19.49% - 27.49% Variable

Earn 70,000 Membership Rewards® points

Good to Excellent

The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.

If you own a small business — even a part-time venture or side gig — and are looking for a card that earns flexible points you can use for travel and other rewards, the American Express® Business Gold Card is worth considering. It's one of the best business cards for folks who spend a lot on common business purchases, because it earns bonus points on your top two spending categories (from a list) each month.

The American Express® Business Gold Card is currently offering a substantial welcome bonus offer of 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of card membership. Based on our points and miles valuations, that's worth around $1,260 in travel.

It also comes with a wide array of travel and shopping benefits that can save you money and help offset the card's $375 annual fee, including a rebate when you redeem points for flights, car rental insurance, trip delay insurance, and purchase protections.

You'll earn the most points from the American Express® Business Gold Card if your business purchases are often in the following categories:

You'll earn 4x American Express Membership Rewards points on the two categories from this list where your business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), 3x points on flights and prepaid hotels booked on AmexTravel.com, and 1 point per dollar on all other purchases.