Apply to 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.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
American Express® Business Gold Card
As High As 200,000 Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
Brendan PaulesOut of the many business cards I have in my wallet, the American Express® Business Gold is among the most used. My favorite benefit (and what really sets it apart) is the flexible, increased earning in your top spending categories (more details on that below). Even for my small business this means several thousand Amex points per month just from my typical business spending. Not to mention, this card comes with helpful statement credits, a huge welcome offer, and many redemption options, especially since American Express has so many transfer partners. I'd say this is a worthwhile addition to any or small business owner's wallet. It's definitely a card that I'll be keeping in my wallet for many years to come.
Comparable Cards
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Pros & Cons
Pros
Ability to earn valuable Membership Rewards points on everyday business expenses
No preset spending limit, providing flexibility for business spending
Access to a range of premium business benefits and expense management tools
Cons
Comes with an annual fee
Specific bonus categories may vary, and some businesses may not maximize the rewards potential
Rewards Summary
4x per $1 on the top two (out of six) eligible categories where your business spends the most each month. 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.
3x per $1 on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™
1x per $1 on all other eligible purchases
Additional Benefits
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business (subject to auto-renewal) on the Business Gold Card.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and office supply stores. This can be an annual savings of up to $240. Enrollment required.
- 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.
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold, and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
How to make the most of your American Express® Business Gold Card
[.dontreco] We don’t recommend: Using Points for Statement Credits or Gift Cards [.dontreco]
While you can redeem Membership Rewards® points for statement credits or gift cards, the value per point is often lower compared to other redemption options. Typically, points redeemed this way are worth around 0.6 cents per point, which doesn't provide the best bang for your buck.
[.sometimesreco] We sometimes recommend: Using the American Express Travel® Portal [.sometimesreco]
Redeeming points through the Amex Travel Portal can be a good option, especially if you find a deal that suits your travel plans. However, the value you get per point can vary, usually around 1 cent per point. While it's not the highest value, it’s definitely convenient and flexible.
[.alwaysreco] We always recommend: Transferring Points to Airline and Hotel Partners [.alwaysreco]
To get the highest value from your Membership Rewards® points, transferring them to one of Amex’s airline or hotel partners is usually the best option. Many transfer partners offer better redemption rates, often exceeding 1 cent per point, and sometimes significantly more, especially for premium cabin flights and high-end hotel stays.
[.favairlines] Our Favorite Airline Transfer Partners [.favairlines]
Delta SkyMiles: Great for domestic and international travel with a large network and frequent flyer benefits.
British Airways Avios: Ideal for short-haul flights and unique opportunities like off-peak awards.
Emirates Skywards: Excellent for luxurious travel experiences, especially in premium cabins.
[.favhotels] Our Favorite Hotel Transfer Partners [.favhotels]
Marriott Bonvoy: Offers a wide range of properties worldwide and often has promotions for extra value.
Hilton Honors: Flexible redemption options and frequent promotions for point transfers.
Choice Privileges: Good for budget and mid-range hotels, especially in Europe and North America.
Transfer Partners
Simply log into your Amex account, click on “Earn and redeem,” and you’ll see Amex’s long list of transfer partners. From there, make your transfer selection based on your trip and transfer those points. And just like that, you’re on your way! ✈️
Did we mention that the Amex Business Gold card has a pretty nice list of transfer partners? In case you need convincing, here’s that list:
Program Name
Transfer Ratio
ANA
1:1
Aeromexico
1:1.6
Air Canada
1:1
Air France/KLM
1:1
Avianca
1:1
British Airways
1:1
Cathay Pacific
1:1
Choice Hotels
1:1
Delta Air Lines
1:1
Emirates
5:4
Etihad
1:1
Hawaiian Air
1:1
Hilton
1:2
Iberia
1:1
JetBlue
1:.8
Marriott Bonvoy
1:1
Qantas
1:1
Qatar Airways
1:1
Singapore Airlines
1:1
Virgin Atlantic
1:1
1:1
Offer History
Offer Dates
Offer Details
- Current Offer since Apr 2026You 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.
- Jul 2024 through Apr 2026Earn 100,000 Membership Rewards Points® after you spend $15,000 on eligible purchases with your Card in the first 3 months of Card Membership.
- Apr 2021 through Jul 2024Earn 70,000 Membership Rewards Points® after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership.
- Feb 2021 through Apr 2021Earn 70,000 Membership Rewards Points® after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership. Plus, earn up to $300 in statement credits with eligible shipping and advertising purchases.
- Nov 2019 through Feb 2021Earn 35,000 Membership Rewards Points® after you spend $5,000 on eligible purchases with your Card in the first 3 months of Card Membership.
Who Should Get The American Express® Business Gold Card?
- The Dynamic Spender
Businesses with various monthly expenses will find the Amex Business Gold particularly useful. The card automatically awards 4x points on the top two categories where you spend the most each billing cycle. This flexibility ensures that you’re always earning maximum rewards on the areas where your business invests the most, without needing to manually select categories or keep track of changing spending patterns.
- The Frequent Business Traveler
For business owners who travel often, the Amex Business Gold offers several travel-related perks and protections. The card provides valuable benefits like baggage insurance and trip delay insurance, plus there are no foreign transaction fees.
- The Points Maximizer
Let’s talk business cards for a second. You do not need to own a registered business with employees earning millions of dollars a year to open a business credit card. In fact, if you make ANY side or freelance income, you have a business.So really, the Amex Business Gold could be for almost everyone. And what’s even better? Points can be transferred to numerous airline and hotel partners, often at a really decent rate, allowing for solid travel redemptions.
Who Should Not Get The American Express® Business Gold Card?
You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Amex Business Gold, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
Recommended Credit
The recommended credit score for the Amex Business Gold is good to excellent. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Amex Business Gold. The worst they can say is “no,” and more often than not, we’ve found these people want to help!
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Related Articles
Frequently Asked Questions (FAQs)
Does the American Express® Business Gold Card offer any travel protections or benefits?
Yes, the card offers several travel protections and benefits including baggage insurance, trip delay insurance, and car rental loss and damage insurance. Additionally, you can benefit from 24/7 Global Assist® Hotline and access to the American Express® Travel portal.
How can I redeem the points I earn with the American Express® Business Gold Card?
You can redeem your Membership Rewards® points for a variety of options including travel, gift cards, statement credits, or merchandise. Points can also be transferred to several airline and hotel loyalty programs.
Can I combine my American Express® Business Gold Card with other credit cards to maximize rewards?
Yes, the American Express® Business Gold Card pairs well with other cards, such as the American Express® Platinum Card for premium travel benefits or the Blue Business® Plus Credit Card from American Express for everyday spending. Combining cards allows you to optimize your rewards strategy.
How does the American Express® Business Gold Card compare to other business credit cards?
The American Express® Business Gold Card stands out for its flexible rewards structure and high earning potential in select categories. It's a great choice for businesses that want to maximize points in key spending areas without worrying about category limitations or caps.
Our Experts
For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.