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The American Express^® Business Gold Card

The American Express<sup>®</sup> Business Gold Card

Turn business purchases into rewards and keep your cashflow flowing

Important Information Terms and Conditions How to Apply

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Important Information

Terms and Conditions

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Important Information

Terms and Conditions

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Important Information

Terms and Conditions

Earn 20,000 bonus Membership Rewards^® points

If you are approved and spend £3,000 in the first three months of Cardmembership. New Cardmembers only. Terms apply.2

Key Information

No Annual Fee for the first 12 months, and then it’s just £175 per year after that.1

With up to 54 days payment period on purchases5 and no pre-set spending limit6, money management is more flexible. Just pay off your balance in full every month.

Key Information

No Annual Fee for the first 12 months, and then it’s just £175 per year after that.1

With up to 54 days payment period on purchases5 and no pre-set spending limit6, money management is more flexible. Just pay off your balance in full every month.

Key Information

No Annual Fee for the first 12 months, and then it’s just £175 per year after that.1

With up to 54 days payment period on purchases5 and no pre-set spending limit6, money management is more flexible. Just pay off your balance in full every month.

How You Earn

1X

REWARDS POINTS

On purchases

for almost every £1 spent.3

10K

EXTRA MEMBERSHIP REWARDS POINTS

On purchases

when you spend £20k per quarter.4

2X

REWARDS POINTS

On American Express Travel

for every £1 spent.7

9K

BONUS REWARDS POINTS

For a Referred Business

if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

How You Earn

1X

REWARDS POINTS

On purchases

for almost every £1 spent.3

10K

EXTRA MEMBERSHIP REWARDS POINTS

On purchases

when you spend £20k per quarter.4

2X

REWARDS POINTS

On American Express Travel

for every £1 spent.7

9K

BONUS REWARDS POINTS

For a Referred Business

if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

How You Earn

1X

REWARDS POINTS

On purchases

for almost every £1 spent.3

10K

EXTRA MEMBERSHIP REWARDS POINTS

On purchases

when you spend £20k per quarter.4

2X

REWARDS POINTS

On American Express Travel

for every £1 spent.7

9K

BONUS REWARDS POINTS

For a Referred Business

if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

1X
REWARDS POINTS
On purchases
for almost every £1 spent.3
10K
EXTRA MEMBERSHIP REWARDS POINTS
On purchases
when you spend £20k per quarter.4
2X
REWARDS POINTS
On American Express Travel
for every £1 spent.7
9K
BONUS REWARDS POINTS
For a Referred Business
if they are approved - up to 90,000 a year.9

About The Card

The Card that works harder for your business

Find out how the Business Gold Card works hard to reward your spending, gives you payment flexibility and makes business simple.

The Card that works harder for your business

Find out how the Business Gold Card works hard to reward your spending, gives you payment flexibility and makes business simple.

The Card that works harder for your business

Find out how the Business Gold Card works hard to reward your spending, gives you payment flexibility and makes business simple.

Featured Benefits

AmexExpense: our free business expenses solution

Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13

Welcome Bonus

New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2

Quarterly Membership Rewards Bonus

Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4

Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8

Your first 12 months are on us

Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

Featured Benefits

AmexExpense: our free business expenses solution

Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13

Welcome Bonus

New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2

Quarterly Membership Rewards Bonus

Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4

Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8

Your first 12 months are on us

Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

Featured Benefits

AmexExpense: our free business expenses solution

Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13

Welcome Bonus

New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2

Quarterly Membership Rewards Bonus

Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4

Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8

Your first 12 months are on us

Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

AmexExpense: our free business expenses solution
Make more time – for business and pleasure – by keeping on top of your teams’ business expenses in one place.13
Welcome Bonus
New American Express^® Cardmembers earn 20,000 bonus Membership Rewards^® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply. 2
Quarterly Membership Rewards Bonus
Make your business spend more rewarding by earning 50% more points on top of the ones you've already earned when you spend £20,000 per quarter.4
Super Savings
American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
Your first 12 months are on us
Experience just how hardworking this Card is for a whole 12 months with no Annual Fee. We'll let the benefits do the talking.1

Use your points to treat yourself, your employees or clients, or to reinvest in your business

From everyday expenses to subscriptions and more, you can redeem your Membership Rewards points towards eligible Card purchases in so many ways.

Use your points to treat yourself, your employees or clients, or to reinvest in your business

From everyday expenses to subscriptions and more, you can redeem your Membership Rewards points towards eligible Card purchases in so many ways.

Use your points to treat yourself, your employees or clients, or to reinvest in your business

From everyday expenses to subscriptions and more, you can redeem your Membership Rewards points towards eligible Card purchases in so many ways.

All Benefits

Earning Points

For almost every £1 you spend on your Card, you’ll earn 1 Membership Rewards point – and there’s no limit, so you can stack up the points to your heart’s content, as long as your Account is open and up to date.3
The same goes for Employee Cards10 on the Account, so your employee’s spending will keep the rewards coming in.
American Express Business Gold also earns you 10,000 extra Membership Rewards points when you spend £20,000 per quarter. That’s a potential 40,000 bonus points per year.4
Plus, earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges.7
As the Primary Cardmember, refer a friend or family member for an American Express Card, and you could earn a referral bonus of 9,000 Membership Rewards points for each approved referral up to a maximum annual referral bonus of 90,000 Membership Rewards points.9
Redeeming Points

Turn Membership Rewards points into team lunches, office supplies, online advertising... and that's just the beginning.
Reward yourself, your employees or clients

From spa day experiences to department store Gift Cards and eCodes, use your points to reward those people going above and beyond for your business.
Reinvest in your business

You can redeem your points for a statement credit that will boost your bottom line. Alternatively, redeem for rewards from popular brands such as Apple or Gift Cards from Currys PC World.
Travel

Transfer points you've earned on your business spend to one of our partner's frequent traveller programmes, and use them to enjoy hotel stays, flights, dining and more – for business or pleasure. Our partners include British Airways, Marriott Bonvoy™, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.
Greater control over your cashflow

If you pay for your expenses by cash, invoice or cheque, the payment will leave your Account right away. With Amex Business Gold you have up to 54 days payment period on purchases5, so your cash can stay in your Account for longer, making money management more flexible. Simply pay your balance in full every month.
The Card with flexible spending power

Unlike a Credit Card, the Business Gold Card has no pre-set spending limit.6 This means that your Card's spending power - the amount your business can spend - is dynamic and can adjust to your business needs.
To help maximise your spending power, you can start spending and repaying the balance as soon as you get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there’s no need to wait.
You can find out more on how to maximise your spending power here.
AmexExpense - take control of company expenses

The perfect complement to our Employee Cards solution, AmexExpense is our free expense management tool.
All American Express Card spend is automatically available in your AmexExpense account, plus you can scan, upload and approve any expenses in seconds, with seamless integration with Xero, Quickbooks, and Sage – giving you more time for business and pleasure. Find out more here.13
Get rewarded for your international business spend

Whether you’re paying suppliers overseas, receiving payments or securing the best rates for foreign exchange – you can get rewarded and earn Membership Rewards® on your The American Express® Business Gold Card with our Foreign Exchange and International Payments Account. Start today with no set up fees, no minimum or maximum transfer limits and a Dedicated FX Specialist to support you. Click here to find out more.
Complimentary Employee Cards

Stay in control with our Employee Cards10, for employees and associates. Keep your eyes on spend, set limits on Cards or even freeze them. Whatever works for you.

Consolidate all your business spending under one Business Card Account, maximising your chance to build Membership Rewards points. Purchases on Employee Cards all count towards that total.

See exactly where your money is going, plus save time when tracking and sorting expenses, through your Online Account and American Express^® App.

The main Cardmember will be liable for all charges made on the Employee Card(s).10
Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
£100 Annual Dell Technologies Statement Credit

You are doing more for your business, so we’re doing more for you. We understand business might be changing, and technology will help play a key role in helping to keep your business moving forward. This exclusive benefit from Dell Technologies will provide extra value, when you need it most.
Get up to £50 in statement credits between January and June and up to £50 in statement credits between July and December for United Kingdom purchases with Dell Technologies on your Business Gold Card when enrolled. That's up to £100 in statement credits annually. Only the Basic Cardmember can enrol the Card Account into the benefit.
Once enrolled, you can purchase online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745.
American Express® Experiences

All work and no play makes business more of a grind. So, with American Express® Experiences you can make it all more memorable, whether you’re entertaining clients, rewarding your employees, or treating yourself. Your Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.11
World Class Service

Ever feel like you could do with a little help? Amex Business Gold gives you more than just a way to spend, with a great range of resources designed to help you keep control of your business expenses and give you extra peace of mind.
Global Assist®

If you’re away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.
Emergency Card Replacement

No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.
Business Account management

24-hour online business Account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.

You can also access the most important Account information when you’re on the go via our Online Account, or as a downloadable app for iPhone and Android devices
Travel Accident and Travel Inconvenience Insurance

On the move? You’re protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200.12
Purchase Protection

Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it’s stolen or damaged within 90 days of purchase, we’ll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.
Refund Protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.

All Benefits

Earning Points

For almost every £1 you spend on your Card, you’ll earn 1 Membership Rewards point – and there’s no limit, so you can stack up the points to your heart’s content, as long as your Account is open and up to date.3
The same goes for Employee Cards10 on the Account, so your employee’s spending will keep the rewards coming in.
American Express Business Gold also earns you 10,000 extra Membership Rewards points when you spend £20,000 per quarter. That’s a potential 40,000 bonus points per year.4
Plus, earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges.7
As the Primary Cardmember, refer a friend or family member for an American Express Card, and you could earn a referral bonus of 9,000 Membership Rewards points for each approved referral up to a maximum annual referral bonus of 90,000 Membership Rewards points.9
Redeeming Points

Turn Membership Rewards points into team lunches, office supplies, online advertising... and that's just the beginning.
Reward yourself, your employees or clients

From spa day experiences to department store Gift Cards and eCodes, use your points to reward those people going above and beyond for your business.
Reinvest in your business

You can redeem your points for a statement credit that will boost your bottom line. Alternatively, redeem for rewards from popular brands such as Apple or Gift Cards from Currys PC World.
Travel

Transfer points you've earned on your business spend to one of our partner's frequent traveller programmes, and use them to enjoy hotel stays, flights, dining and more – for business or pleasure. Our partners include British Airways, Marriott Bonvoy™, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.
Greater control over your cashflow

If you pay for your expenses by cash, invoice or cheque, the payment will leave your Account right away. With Amex Business Gold you have up to 54 days payment period on purchases5, so your cash can stay in your Account for longer, making money management more flexible. Simply pay your balance in full every month.
The Card with flexible spending power

Unlike a Credit Card, the Business Gold Card has no pre-set spending limit.6 This means that your Card's spending power - the amount your business can spend - is dynamic and can adjust to your business needs.
To help maximise your spending power, you can start spending and repaying the balance as soon as you get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there’s no need to wait.
You can find out more on how to maximise your spending power here.
AmexExpense - take control of company expenses

The perfect complement to our Employee Cards solution, AmexExpense is our free expense management tool.
All American Express Card spend is automatically available in your AmexExpense account, plus you can scan, upload and approve any expenses in seconds, with seamless integration with Xero, Quickbooks, and Sage – giving you more time for business and pleasure. Find out more here.13
Get rewarded for your international business spend

Whether you’re paying suppliers overseas, receiving payments or securing the best rates for foreign exchange – you can get rewarded and earn Membership Rewards® on your The American Express® Business Gold Card with our Foreign Exchange and International Payments Account. Start today with no set up fees, no minimum or maximum transfer limits and a Dedicated FX Specialist to support you. Click here to find out more.
Complimentary Employee Cards

Stay in control with our Employee Cards10, for employees and associates. Keep your eyes on spend, set limits on Cards or even freeze them. Whatever works for you.

Consolidate all your business spending under one Business Card Account, maximising your chance to build Membership Rewards points. Purchases on Employee Cards all count towards that total.

See exactly where your money is going, plus save time when tracking and sorting expenses, through your Online Account and American Express^® App.

The main Cardmember will be liable for all charges made on the Employee Card(s).10
Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
£100 Annual Dell Technologies Statement Credit

You are doing more for your business, so we’re doing more for you. We understand business might be changing, and technology will help play a key role in helping to keep your business moving forward. This exclusive benefit from Dell Technologies will provide extra value, when you need it most.
Get up to £50 in statement credits between January and June and up to £50 in statement credits between July and December for United Kingdom purchases with Dell Technologies on your Business Gold Card when enrolled. That's up to £100 in statement credits annually. Only the Basic Cardmember can enrol the Card Account into the benefit.
Once enrolled, you can purchase online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745.
American Express® Experiences

All work and no play makes business more of a grind. So, with American Express® Experiences you can make it all more memorable, whether you’re entertaining clients, rewarding your employees, or treating yourself. Your Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.11
World Class Service

Ever feel like you could do with a little help? Amex Business Gold gives you more than just a way to spend, with a great range of resources designed to help you keep control of your business expenses and give you extra peace of mind.
Global Assist®

If you’re away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.
Emergency Card Replacement

No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.
Business Account management

24-hour online business Account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.

You can also access the most important Account information when you’re on the go via our Online Account, or as a downloadable app for iPhone and Android devices
Travel Accident and Travel Inconvenience Insurance

On the move? You’re protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200.12
Purchase Protection

Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it’s stolen or damaged within 90 days of purchase, we’ll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.
Refund Protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.

All Benefits

Earning Points

For almost every £1 you spend on your Card, you’ll earn 1 Membership Rewards point – and there’s no limit, so you can stack up the points to your heart’s content, as long as your Account is open and up to date.3
The same goes for Employee Cards10 on the Account, so your employee’s spending will keep the rewards coming in.
American Express Business Gold also earns you 10,000 extra Membership Rewards points when you spend £20,000 per quarter. That’s a potential 40,000 bonus points per year.4
Plus, earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges.7
As the Primary Cardmember, refer a friend or family member for an American Express Card, and you could earn a referral bonus of 9,000 Membership Rewards points for each approved referral up to a maximum annual referral bonus of 90,000 Membership Rewards points.9
Redeeming Points

Turn Membership Rewards points into team lunches, office supplies, online advertising... and that's just the beginning.
Reward yourself, your employees or clients

From spa day experiences to department store Gift Cards and eCodes, use your points to reward those people going above and beyond for your business.
Reinvest in your business

You can redeem your points for a statement credit that will boost your bottom line. Alternatively, redeem for rewards from popular brands such as Apple or Gift Cards from Currys PC World.
Travel

Transfer points you've earned on your business spend to one of our partner's frequent traveller programmes, and use them to enjoy hotel stays, flights, dining and more – for business or pleasure. Our partners include British Airways, Marriott Bonvoy™, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.
Greater control over your cashflow

If you pay for your expenses by cash, invoice or cheque, the payment will leave your Account right away. With Amex Business Gold you have up to 54 days payment period on purchases5, so your cash can stay in your Account for longer, making money management more flexible. Simply pay your balance in full every month.
The Card with flexible spending power

Unlike a Credit Card, the Business Gold Card has no pre-set spending limit.6 This means that your Card's spending power - the amount your business can spend - is dynamic and can adjust to your business needs.
To help maximise your spending power, you can start spending and repaying the balance as soon as you get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there’s no need to wait.
You can find out more on how to maximise your spending power here.
AmexExpense - take control of company expenses

The perfect complement to our Employee Cards solution, AmexExpense is our free expense management tool.
All American Express Card spend is automatically available in your AmexExpense account, plus you can scan, upload and approve any expenses in seconds, with seamless integration with Xero, Quickbooks, and Sage – giving you more time for business and pleasure. Find out more here.13
Get rewarded for your international business spend

Whether you’re paying suppliers overseas, receiving payments or securing the best rates for foreign exchange – you can get rewarded and earn Membership Rewards® on your The American Express® Business Gold Card with our Foreign Exchange and International Payments Account. Start today with no set up fees, no minimum or maximum transfer limits and a Dedicated FX Specialist to support you. Click here to find out more.
Complimentary Employee Cards

Stay in control with our Employee Cards10, for employees and associates. Keep your eyes on spend, set limits on Cards or even freeze them. Whatever works for you.

Consolidate all your business spending under one Business Card Account, maximising your chance to build Membership Rewards points. Purchases on Employee Cards all count towards that total.

See exactly where your money is going, plus save time when tracking and sorting expenses, through your Online Account and American Express^® App.

The main Cardmember will be liable for all charges made on the Employee Card(s).10
Super Savings

American Express Business Gold brings you over £500 per year in discounts that your bottom line will love. Savings with Airbnb, Amazon.co.uk, British Airways, BP, Deliveroo, Lidl, Nando’s, Now TV, Hackett, PayPal and Sainsbury’s are just a select few.8
£100 Annual Dell Technologies Statement Credit

You are doing more for your business, so we’re doing more for you. We understand business might be changing, and technology will help play a key role in helping to keep your business moving forward. This exclusive benefit from Dell Technologies will provide extra value, when you need it most.
Get up to £50 in statement credits between January and June and up to £50 in statement credits between July and December for United Kingdom purchases with Dell Technologies on your Business Gold Card when enrolled. That's up to £100 in statement credits annually. Only the Basic Cardmember can enrol the Card Account into the benefit.
Once enrolled, you can purchase online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745.
American Express® Experiences

All work and no play makes business more of a grind. So, with American Express® Experiences you can make it all more memorable, whether you’re entertaining clients, rewarding your employees, or treating yourself. Your Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.11
World Class Service

Ever feel like you could do with a little help? Amex Business Gold gives you more than just a way to spend, with a great range of resources designed to help you keep control of your business expenses and give you extra peace of mind.
Global Assist®

If you’re away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.
Emergency Card Replacement

No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.
Business Account management

24-hour online business Account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.

You can also access the most important Account information when you’re on the go via our Online Account, or as a downloadable app for iPhone and Android devices
Travel Accident and Travel Inconvenience Insurance

On the move? You’re protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200.12
Purchase Protection

Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it’s stolen or damaged within 90 days of purchase, we’ll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.
Refund Protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.

To save time, it’s best to make sure you can say yes to the following before you apply:

The business has a current UK Bank or Building Society account
You are aged 18 or over
You have a permanent UK home address
You will pay the annual fee of £175, after your first year of Cardmembership

Note though that you won’t be eligible for a Welcome Bonus award if you currently hold a Membership Rewards enrolled American Express Card, or have held one in the past 13 months.

To save time, it’s best to make sure you can say yes to the following before you apply:

The business has a current UK Bank or Building Society account
You are aged 18 or over
You have a permanent UK home address
You will pay the annual fee of £175, after your first year of Cardmembership

Note though that you won’t be eligible for a Welcome Bonus award if you currently hold a Membership Rewards enrolled American Express Card, or have held one in the past 13 months.

To save time, it’s best to make sure you can say yes to the following before you apply:

The business has a current UK Bank or Building Society account
You are aged 18 or over
You have a permanent UK home address
You will pay the annual fee of £175, after your first year of Cardmembership

Note though that you won’t be eligible for a Welcome Bonus award if you currently hold a Membership Rewards enrolled American Express Card, or have held one in the past 13 months.

Qualifying Information

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Read Insurance Documentation

Cardmember Privacy Statement

Qualifying Information