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American Express Business Gold Card – Full Review [2023]

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

70,000 points

Learn More

(at Amex's secure site)

Great Card If

  • Your business spends a lot of money on 1 or more of the card’s bonus categories
  • You want a card that earns transferable rewards
  • You want a card that offers purchase protection and warranty protection

Don’t Get If

  • You want a card with a lower or no annual fee
  • You prefer a card that offers cash-back rewards
  • The bonus categories don’t fit your business needs

Amex Business Gold Card — Is It Worth It?

The Amex Business Gold card is a perfect fit for small business owners who have significant spending in 1 or more of the card’s 6 bonus categories, and want a card that will help them rack up the points on those purchases.

Since the 4x point earnings apply to the first $150,000 in combined purchases from these 2 categories each calendar year, those who are able to meet this spend threshold can earn a whopping 600,000 Amex Membership Rewards points per year — worth $13,200 based on our valuations.

Using your Amex Business Gold card, you’ll also earn 3x points per dollar on flights and prepaid hotels booked on

Further, the card is a great option for traveling business owners as it doesn’t charge foreign transaction fees (rates & fees).

Amex Business Gold Card Top Benefits

Annual Credits

Annual credits are one of the best ways to get value from your Amex Business Gold card every year. Among these credits are:

  • Up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores
  • Up to $155 Walmart+ credit (offers free same-day delivery and free shipping on orders)

Note that some credits require enrollment, so be sure to explore your American Express account to make the most of your card.

The Hotel Collection Access

When you book your hotel through Amex The Hotel Collection, you’ll get a $100 hotel credit to spend on qualifying dining, spa, and resort activities, plus a room upgrade when available.

Card Protections

Your card offers protections to keep you covered when things go wrong:

  • Baggage Insurance: If your luggage is lost, damaged, or stolen, you can be covered up to $1,250 for carry-on baggage and up to $500 for checked baggage.
  • Rental Car Insurance: Get secondary rental car coverage towards theft or damage to the vehicle when you pay for your rental with your card.
  • Trip Delay Insurance: When you purchase a round-trip flight with your card and it is delayed by more than 12 hours, you can receive up to $500 in coverage towards eligible expenses.
  • Extended Warranty Protection: This coverage adds an additional year of warranty coverage to your purchased items with coverage of 5 years or less.
  • Purchase Protection: If an item purchased with your card is damaged or stolen within 90 days or purchase, you can receive up to $1,000 in coverage per occurrence, up to $50,000 per calendar year.
  • Cell Phone Insurance: Receive coverage for accidental damage caused to your cell phone, with up to $800 in coverage, up to 2 times per year, with a $50 deductible.

Best Ways To Earn and Redeem Your Amex Points

It’s no secret that Amex Membership Rewards points are some of the most valuable points out there. While the Amex Business Gold card is great at earning them, there are many other options out there for you to earn even more Membership Rewards points.

Once you’re sitting on a large balance of points, you’ll want to learn the best ways to redeem your Membership Rewards points so that you can make sure you’re getting great value out of each redemption.

If you’re hoping to redeem your points for first and business class airline tickets for pennies on the dollar, by far the best way to do that is by making strategic use of Amex travel transfer partners.

Alternative Cards to the Amex Business Gold Card

Ink Business Preferred® Credit Card

This card is a great choice for those looking for a more well-rounded option. While it doesn’t earn 4x points like the Amex Business Gold card, it does earn 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, internet, cable, and phones services. You’ll earn those points on every category — instead of 2 with the Amex Business Gold card.

See how these cards compare: Amex Business Gold Card vs. Ink Business Preferred Card.

American Express Blue Business Cash™ Card

If you prefer a cash back credit card, then the Amex Blue Business Cash card could be a great option for you. The card offers 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%.

We’ve also compared the Amex Business Gold card with some other credit cards:

For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

The annual fee is . However, you can easily get thousands of dollars in value per year by maximizing the card’s perks and benefits.

It absolutely can be! If you’re a small business owner who has a significant level of spend in 1 of the 6 bonus categories (such as advertising on Facebook or Google Ads), and would benefit from card perks like purchase protection and extended warranty coverage, then the card might be a great fit for you.

Any small business owner, including sole-proprietors, freelancers, and independent contractors, is eligible to apply for a business credit card. Your approval will depend on factors including your credit score (which we strongly suggest should be 700+), years in business, and annual revenue.

No, there are no foreign transaction fees when using the card.

Yes, it’s a heavy metal card.

The Amex Business Gold doesn’t offer any airport lounge access. If you’re looking an Amex business card that comes with lounge access, consider the Amex Business Platinum card that comes with the best lounge access.

There is no “preset” credit limit as it can change every month depending on factors like your spending habits and how much (and how fast) you pay off your balance. Unfortunately, there’s no way of knowing how much you’ll be able to spend before applying.

Unfortunately, this offer is not public anymore and was only available for a short time. Instead, you can expect welcome offers of 35,000 to 70,000 points. You can check your current offer here.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


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