BUSINESS GOLD CARD
Earn 125,000 Membership Rewards® Points†
Earn 125,000 Membership Rewards® points after you spend $15,000 in eligible purchases on the Business Gold Card in the first 3 months of Card Membership.†
$375 Annual Fee¤†
Earn more Membership Rewards® points in categories that automatically adjust to your spending habits
Earn 4X Membership Rewards® points on the top 2 categories where your business spends the most each billing cycle from 6 categories:‡
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases at gas stations
U.S. purchases made from electronic goods retailers and software & cloud system providers
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
U.S. purchases at restaurants, including takeout and delivery
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
While your 2 top categories may change each billing cycle based on where your business spends the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories from this list each billing cycle will count toward the $150,000 cap.‡
Unlock up to $395 $845 back in statement credits annually on eligible purchases at select business merchants. Here’s how:
$240 Flexible Business Credit‡
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
$300 ChatGPT Business Credit‡
Connect your company tools to support the projects your team takes on. It’s the ChatGPT you know — designed for work. Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business1 on the Business Gold Card.
1Subject to auto-renewal.
$150 Squarespace Credit‡
Showcase your business. Create a customizable website or online store with an all-in-one solution from Squarespace. Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold Card.2
2Subscription purchases subject to auto-renewal.
$155 Walmart+ Credit‡
A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart free same-day delivery from store (where available, subject to order minimum). Use the Business Gold Card to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges.
$375 Annual Fee ¤†
Essential features and benefits for your business
Earn 3X Membership Rewards® points at AmexTravel.com and the Amex Travel App™‡
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™ using the Business Gold Card.
1X Membership Rewards® Points‡
Earn 1X Membership Rewards® points on all other eligible purchases using the Business Gold Card.
Cell Phone Protection‡
Sometimes the Unexpected Happens. One more way we'll have your back.
We may be able to help with that pesky screen replacement cost. With Cell Phone Protection3, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply.‡
3Coverage is provided by New Hampshire Insurance Company, an AIG Company.
Pay Over Time‡
The Pay Over Time feature lets you carry a balance with interest on eligible charges, up to your Pay Over Time Limit.‡
How it works:
- Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit.
- You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
- You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.
No Preset Spending Limit
No Preset Spending Limit means the spending limit is flexible. Unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.‡
Take your business further
Apply for the Business Gold Card.
$375 Annual Fee¤†
