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The American Express® Business Gold Card

undefinedThe American Express Business Gold Card

Earn and redeem Membership Rewards® points on all business spend

Annual Fee £195 (£0 in first year)

Annual Fee

No annual fee for the first year, and £195 per year after that.2

Purchase Rate

29.1% p.a. (variable) (applies if you choose to use a line of credit via Flexible Payment Option).3

Your Benefits

You can pay your balance in full each month, or you have the choice to use Flexible Payment Option. This allows you to pay part of your balance over time, so when cashflow fluctuates, your repayments can too – giving you peace of mind.

You will receive a line of credit when your Card arrives and you can access this with no additional approvals or paperwork. If you choose to use the line of credit, the purchase rate applies. Click here to learn more about Flexible Payment Option.

For almost every £1 you spend on your Card, you’ll earn 1 Membership Rewards point4 – 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.

The same goes for Employee Cards on the Account, so your employee’s spending will keep the rewards coming in.12

Membership Rewards points can be redeemed on eligible purchases such as team lunches, flights for a getaway, office supplies, online advertising... the possibilities are endless.

Spend £40,000 in your Cardmembership year to earn a £100 Travel Credit to use on prepaid bookings made online through American Express Travel. This can be done twice a year which could earn you up to £200 in Travel Credits. Terms and payment restrictions will apply. This offer is subject to change at any time. The offer resets every Cardmembership year5.

You can redeem your Membership Rewards points on eligible purchases at PayPal by choosing to use either Pay with Points, your American Express Card®, or a combination of both13.

Save this benefit to your Card by 31/12/2026 and spend online at uk.indeed.com to get 100% back on qualifying purchases up to a maximum of £50 back. The benefit resets every 3 months. Terms, purchase restrictions and future communications about this benefit will apply.14

If you currently pay for your expenses by cash or invoice, the payment will leave your account right away. With Amex Business Gold®, you have a payment period of up to 54 days interest free if you spend on the first day of the new statement period and repay the balance in full on the due date. To avoid incurring interest payments, simply pay your total balance in full every month.6

Your Card’s spending limit – the amount your business can spend – is dynamic and can adjust to your business needs.

To help maximise your spending limit, you can start spending and repaying the balance as soon as your get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there’s no need to wait.7

Save this offer to your American Express® Business Gold Card. Once saved, spend £60 or more in a single eligible transaction on a prepaid booking made online with Alamo or Enterprise to receive a £20 statement credit. Offer valid once per Card within each calendar month. Terms and payment restrictions will apply. This offer is subject to change at any time8.

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 £200.9

Save this offer to your Card to get a 15% statement credit when you spend any amount in a GBP transaction on business insurance online at Superscript. Terms and payment restrictions will apply. This offer is subject to change at any time. The offer resets every calendar year10.

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.9

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 £300.9

Cashing in on our Offers couldn’t be easier. Download the American Express® App, select ‘Offers', save offer to Card and redeem11. Simple as that.

Up to 20 Gold Business Employee Cards for your employees at no additional cost12.

Am I Eligible?
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 £195, after your first year of Cardmembership
•  You earn at least £20,000 per year


•  Your business must be either a Limited Liability Company (LTD) or a Limited Liability Partnership (LLP) and you must be a director/member of the business.



You must apply via the button on this page to ensure you and your friend both receive your bonus.

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undefinedThe American Express Business Gold Card

The American Express® Business Gold Card

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Click below to find the right Card for you. Your friend can receive a referral bonus if you are approved for any of the Cards with a referral offer.