American Express Business Gold Card
| Annual fee | $375 Fact |
| Foreign transaction fee | None |
| Rewards currency | Membership Rewards points |
| Est. point value | 2.00¢ Estimate |
Last updated Oct 17, 2026
Checked Oct 28, 2026
Before you apply
General American Express policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 200,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Sep 2024 · 2.9 yr | 70,000 points | $10,000 |
| Sep 2024 to May 2025 · 8 mo | 100,000 points | $15,000 |
| May 2025 to now · 18 mo | 200,000 points Best | $15,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Top N spend categories each billing cycle | 4x | Membership Rewards points | $150,000/mo |
| Travel (issuer portal) 3X points on flights and pre-paid hotels booked on AmexTravel.com. |
3x | n/a | No cap |
| Everything else | 1x | Membership Rewards points | No cap |
Recurring credits
Estimated value| Get up to $300 back in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions on the Business Gold Card. Enrollment required. Shared across the account
|
$300/yr (Calendar Year) |
| Earn up to $20 in statement credits monthly after using the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores, up to $240 annually. Shared across the account
|
$240/yr (Monthly) |
| Use your Business Gold Card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes (excluding Plus Ups) back each month. Shared across the account
|
$155/yr (Monthly) |
| Enroll and get up to $150 back each calendar year on U.S. purchases with Squarespace on the Business Gold Card. Shared across the account
|
$150/yr (Calendar Year) |
| Receive a suite of benefits with an average total value of $150 at over 1,300 hotels when you book a minimum two-night stay through AmexTravel.com, including a $100 credit toward eligible charges and a room upgrade upon arrival when available. Shared across the account
|
$0/yr (Per use) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsWhenever you travel more than 100 miles from home, Global Assist Hotline offers 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
If a round-trip is paid entirely with an Eligible Card and a covered reason delays the trip more than 12 hours, reimburses certain additional expenses up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
Covers damage to or theft of a rental vehicle in a Covered Territory when the Entire Rental is reserved and paid for with an Eligible Card and the collision damage waiver is declined at the counter.
Covers lost, damaged, or stolen baggage when the Entire Fare for a Common Carrier Vehicle ticket is purchased with an Eligible Card, up to $1,250 for carry-on and $500 for checked baggage, in excess of Common Carrier coverage.
Covers Covered Purchases for up to 90 days from purchase date if stolen or accidentally damaged, limited to $1,000 per Covered Purchase and $50,000 per Card Member account per calendar year.
Extends the terms of the Original Manufacturer's Warranty by up to one additional year on warranties of 5 years or less for Covered Purchases in the U.S. or its territories.
Reimburses the lesser of repair or replacement cost for a damaged or stolen cell phone, up to $800 per claim, limit two approved claims per 12-month period, subject to a $50 deductible, when the prior month's wireless bill was paid with an Eligible Card.
Earn Membership Rewards points on Employee Card purchases within limits you set; up to 99 Employee Cards per account; Employee Business Gold Card annual fee is $95 for the first five cards and $95 for each additional card.
No Preset Spending Limit gives flexibility as your spending capacity adapts based on purchase, payment, and credit history rather than a fixed limit.
Employee cards on the Amex Business Gold
Card factsTwo options: Employee Business Gold Card, $95 a year each, or Employee Expense Card, free.
Each employee card gets
- Baggage insurance plan
- Car rental loss and damage insurance
- Cell phone protection
- Employee cards rewards
- Extended warranty
- Purchase protection
- Trip delay insurance
Shared across the account
- Chatgpt business credit
- Fedex grubhub office supply store credits
- Squarespace credit
- The hotel collection benefits
- Walmart membership credit
Transfer partners
A transfer bonus is running on this currency. Navigator shows how big it is and when it ends.
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
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Article Aug 11, 2026Is the Business Gold still worth its fee?
The math on the new dining credit, run for real spend patterns.