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 Sep 12, 2026
Checked Sep 12, 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 |
|---|---|---|
| Sep 2021 to Sep 2024 · 3 yr | 70,000 points | $10,000 |
| Sep 2024 to May 2025 · 8 mo | 100,000 points | $15,000 |
| Jul 2026 to now · 2 mo | 200,000 points Best | $15,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. 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 | 3x | Membership Rewards points | 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. | $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. | $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. | $155/yr (Monthly) |
| Enroll and get up to $150 back each calendar year on U.S. purchases with Squarespace on the Business Gold Card. | $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. | $100/yr (one-time/annual) |
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.
Reimburses certain additional expenses if a round-trip paid entirely with an Eligible Card is delayed more than 12 hours for a covered reason, up to $300 per trip, maximum 2 claims per Eligible Card per 12-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, set spending limits, and receive real-time alerts.
No Preset Spending Limit gives flexibility as your spending capacity adapts based on purchase, payment, and credit history rather than a fixed limit.
Transfer partners
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.