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Welcome to the Gold Business Charge Card

from American Express


Helping improve business efficiency, with

protection and rewards every step of the way.


Need to activate your Card?

Cardmember Benefits

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Beneficial business payment terms


We know the importance of cash flow to your business. That’s why your Gold Business Charge Card offers you a payment period on purchases of up to 54 days (with no interest charges) giving you greater control over cash flow. Simply pay your balance in full every month.1

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No pre-set spending limit


With no pre-set spending limit your Card gives you more purchasing power. Your Gold Business Charge Card has no pre-set spending limit, giving you more purchasing power for office supplies and equipment as well as travel and entertaining.2

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Online Business Account management 


24/7 Online Account management lets you check your balance, view past statements and keep track of all business purchases made on your Card:

  • Manage your Account on your mobile - via our mobile website, or as a downloadable app for iPhone and Android devices
  • Access and manage your Accounts online
  • Check your balance
  • Pay your bill
  • View your Membership Rewards points
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Closer expense control and more rewards


Consolidate your business expenses with complimentary Supplementary Cards for colleagues and employees. These Cards allow you to:


  • Consolidate expenditure in one Business Account, helping to improve control and save time sorting expense reconciliation
  • Extend the same insurance benefits you enjoy to your Supplementary Cardmembers. 
  • Boost your Membership Rewards® points balance with every transaction on Supplementary Cards earning points for your Account

You can apply for up to 99 Gold Supplementary Cards with no additional cost. Just call the number on the back of your Card, or use the link below

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Emergency Card replacement


Lost, stolen or damaged Card? We’ll organise a replacement. No matter where your business takes you, you’ll not be stranded. Report your Gold Business Charge Card lost, damaged or stolen and we’ll replace it as quickly as humanly possible.

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Membership Rewards®. Your rewards, your way.


With the American Express Gold Business Charge Card you can earn 1 Membership Rewards point for every £1 spent on your Account by you or your Supplementary Cardmembers. You can redeem your points for a wide range of products and services, from client entertaining to office supplies or simply use points to pay for eligible charges.

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American Express Invites® – the hottest tickets and events


Perfect for client entertaining, team incentives or a welldeserved night out with family or friends, American Express Invites brings you access to the hottest tickets, home or abroad, before they go on general sale.4

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Exclusive Cardmember offers


You can access fantastic offers specially created for American Express Cardmembers, including many that are specifically negotiated for Business Cardmembers.


  • From complimentary flight upgrades to special discounts and double loyalty points, Amex Offers brings you special offers from a variety of partners
  • Previous partners have included: British Airways, Virgin Atlantic, Marriott BovoyTM, Expedia, Opodo, Harvey Nichols and Eurostar
  • What’s more, you also earn points when you pay with your Gold Business Charge Card. Take a look around Amex Offers today; you never know what might catch your eye.
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Exclusive Partners Offers and new benefits


Additionally, American Express will send you periodically exclusive Business offers specifically selected and negotiated with our Partners.

To receive Marketing Communication, offers and benefits updates, remember to update your marketing preferences.

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Protecting the purchases on your Card


Eligible items are protected against accidental damage and theft for 90 days. If you buy an item on your Card and it’s stolen or damaged within 90 days, we’ll replace or repair it, or refund you up to £2,500 per eligible item.5

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Refund protection


Your Card offers Refund protection on eligible items bought in the UK.


Should you change your mind or return your eligible item for any reason within 90 days of a purchase, your 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 £300.5

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Travel Accident Insurance


Your Card looks out for you on your trips abroad.

You’re protected when you use your Gold Business Charge Card to book your travel tickets, with travel accident benefit up to £250,000.5

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Travel Inconvenience Insurance


Buy flight tickets on your Gold Business Charge Card and we’ll help you to get on with your trip when you’re faced with delays5:


  • If your flight is delayed for over four hours, you can charge £200 for meals or hotels
  • If you’re left without luggage for more than six hours, you can charge up to £200 for toiletries and clothing to keep you going.




Sharing is rewarding


Do you have friends or business contacts, who you would like to introduce to the American Express Platinum Business Card?



For wherever your business takes you


Explore mobile tools and travel resources

available to you, including the Amex App

Availability subject to your company policy.

We're ready to assist you

Care Professional team

0800 917 8043

(Available 24/7)


020 3126 4113

(Available 24/7)

Insurance Service

+44 (0) 870 0342

Calls cost a maximum of 1p per minute, plus your phone company’s access

The Membership Rewards®


0800 917 8053

Available 7am-11pm 7 days a week

Terms and Conditions


Please ensure that you have read and downloaded these important documents before starting your application. American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standard Board


Read Card Terms & Conditions  


Read Insurance Terms & Conditions  


Statement of Lender and Borrower Responsibilities


  1. The maximum amount of time for a payment  period on purchases is 54 days and is obtained only if you spend on first day of new statement period and repay the balance in full on the due date.
  2. Purchases are approved based on a variety of factors including account history, credit record and personal resources, security may be required. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.
  3. Membership Rewards points are earned for virtually every full £1 spent and charged, per transaction. Membership Rewards points are not earned on Balance Transfers, Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange, Fees and Interest Charges for Returned payments, Finance Charges, Late Payment and Referral Charges, Fees/Charges including joining, annual and Membership Rewards fees. Membership Rewards points never
    expire as long as the account is active.
  4. All tickets must be purchased using your American Express Card. Tickets are subject to availability. Please note that American Express Invites refers to the name of the American Express programme rather than a description of
    ticket type.
  5. Full details of the travel protection benefits currently available can be found in the Terms and Conditions available at Gold Business Charge Card Insurance Terms and Conditions. . Please read this to understand the limits and exclusions that may apply.


American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.