EARN 200,000 MEMBERSHIP REWARDS® POINTS†
Apply and receive a decision in as little as 30 seconds.
Earn 200,000 Membership Rewards® points after you spend $15,000 in eligible purchases on the Business Gold Card within the first 3 months of Card Membership.†
$375 Annual Fee¤†
Make your business spending more rewarding with the Business Gold Card
Designed with your business in mind
From major purchases to everyday expenses, a business Card has benefits suited to your goals and spending.
Powerful value to maximize every eligible dollar
A business Card can provide more value for every dollar spent, with the potential for more rewards with select providers.
Flexible features to manage your cash flow
From Pay Over Time‡ to 24/7 support from Amex Business Specialists, our powerful backing has you covered — so you can focus on growing your business.‡
Reward yourself even more by redeeming points
earned from your business Cards‡
Earn more 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 in each billing cycle from 6 categories:*‡:
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at restaurants, including takeout and delivery
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases at gas stations
*Terms and limitations apply.
While your top 2 categories may change each billing cycle based on where your business spent 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.
$375 Annual Fee¤†
Unlock up to $395 in annual statement credits. Here’s how:
$240 Flexible Business Credit‡
Earn up to $20 in statement credits monthly after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub and Office Supply Stores. Enrollment required.
$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 your 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.
Essential features and benefits for your business
Pay Over Time‡
With the Pay Over Time feature you may carry a balance with interest, up to your Pay Over Time Limit on eligible charges. Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit.‡
How it Works:
- Eligible charges can be paid over time, up to the amount of your Pay Over Time Limit on your account.
- 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 card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Enhance your wallet with powerful financial tools
Earn 3X Membership Rewards® points at AmexTravel.com‡
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Track Patterns with a Year-End Summary
Ease bookkeeping duties by separating your personal and business finances and track spending patterns with a Year-End Summary. It can streamline tax preparation and record keeping, giving you a clearer view of your overall business health.‡
Streamline Expense Management
Get the most out of your Business Card by adding up to 99 Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.‡*
*$95 annual fee for the first five Employee Business Gold Cards and then $95 annual fee for each Employee Business Gold Card after that. Your Card also comes with an Employee Card option with no annual fee.
TAKE YOUR BUSINESS FURTHER WITH THE BUSINESS GOLD CARD
Apply and receive a decision in as little as 30 seconds.
OFFER TERMS
You can earn 200,000 Membership Rewards® points after you make $15,000 (the "Threshold Amount") or more of eligible purchases on your Business Gold Card during the first 3 months of Card Membership, starting from the date your account is opened. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. Membership Rewards® points will be credited to your account 8-12 weeks after you have met the Threshold Amount.
You can earn 200,000 Membership Rewards® points after you spend $15,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend $15,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped).
This offer is not transferable. American Express reserves the right to modify, or revoke this offer at any time.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
If we determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away the Membership Rewards® points from your Card Account. We may also cancel any Card Accounts you have with us.
The annual fee for the Business Gold Card is $375
The annual fee for the Employee Business Gold Card is $95 for the first five Cards and $95 for each Card thereafter. Employee Business Expense Cards that have no annual fee are also available. You may add up to 99 total Employee Cards on your account.