Compare points and miles cards
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Cost and value $375 fee
Sign-up bonus 200,000 points, about $4,000
Earning rates Top rate 4x
- 3x via the issuer portal, about 6.0%
- 3x via the issuer portal, about 6.0%
- 4x Top N spend categories each billing cycle
Statement credits $845 a year
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$240 a year
$20 every month
What counts
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.
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$100 per stay
What counts
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.
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$300 a year
resets every year
What counts
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.
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$150 a year
resets every year
What counts
Enroll and get up to $150 back each calendar year on U.S. purchases with Squarespace on the Business Gold Card.
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$155 a year
$13 every month
What counts
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.
Transfer partners 20 partners
Status, lounges and travel No status or lounges
- Whenever 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.
Protection and insurance 7 coverages
- 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 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 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.
- 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.
- 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.
- 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.
- 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.
Lifestyle and other perks None listed
Employee cards Some free
- Baggage insurance plan
- Car rental loss and damage insurance
- Cell phone protection
- Employee cards rewards
- Extended warranty
- Purchase protection
- Trip delay insurance
Application rules 2/90
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2/90
Community-reported
What counts
American Express generally approves at most 2 of its credit cards per 90 days.
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5 credit card limit
Community-reported
What counts
American Express generally limits you to 5 of its credit cards at once.
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10 charge card limit
Community-reported
What counts
American Express generally limits you to 10 of its charge cards at once.
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Once per lifetime
Issuer-stated
What counts
American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.
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