American Express Gold Business Card

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Speak to a specialist: 0800 085 7732

Terms & Conditions How to Apply

Annual Fee:No Annual Fee for the first 12 months, and then it’s just £175 per year after that.
Cashflow Management:With up to 54 days payment period on purchases and no pre-set spending limit, money management is more flexible. Just pay off your balance in full every month.

Key Benefits

Rewards

Earn 10,000 extra Membership Rewards® points when you spend £20,000 per quarter.14

Savings

Access over £500 of the best discounts on business essentials.13

Create your AmexExpense Account

Make your expenses easier and quicker with our new, complimentary AmexExpense App15. Get up to 99 complimentary Employee Cards too6.

Cashflow Management

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 purchases, so your cash can stay in your Account for longer, making money management more flexible.5 Simply pay your balance in full every month.

No pre-set spending limit

With no pre-set spending limit, you have the opportunity to invest in your business3 and maximise your Membership Rewards at the same time.

Amex Business Gold gives you the flexibility to spend more if your purchase, payment and credit history look good.

Complimentary Employee Cards

You can request up to 99 complimentary Supplementary Cards for employees and associates6.

Stay in control with your Online Account and American Express® App. 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, see exactly where your money is going and save time when tracking and sorting expenses.
Maximise your chance to build Membership Rewards® points. Purchases on Employee Cards all count towards that total.

Make your expense process even easier

Our new, complimentary AmexExpense App makes your expense process even easier and quicker for you and your staff. Scan, upload and approve expenses in seconds. Integrate with Xero, Quickbooks, Sage and more for a seamless end-to-end system. Download and create an Account today15.

Compare our Business Cards

The American Express^® Business Gold Card

The American Express^® Business Platinum Card

The American Express^® Business Basic Card

ANNUAL FEE
£175 (£0 in first year)

ANNUAL FEE

£595

ANNUAL FEE

£0

WELCOME OFFER

New Cardmembers earn 20,000 bonus Membership Rewards ^® points when they spend £3,000 in the first three months of Cardmembership 2 (if you are approved). That’s enough for two economy return flights from London to selected European destinations such as Berlin. Terms, taxes, fees and charges apply. 18+ subject to status.

WELCOME OFFER

New Cardmembers earn 40,000 bonus Membership Rewards^® points when they spend £6,000 in the first three months of Cardmembership 1 (if you are approved). That’s enough for two business return flights from London to selected European destinations such as Berlin. Terms, taxes, fees and charges apply. 18+ subject to status.

WELCOME OFFER

CARD OVERVIEW
Exclusively for businesses, the Card which works harder to turn business purchases into rewards and keep your cashflow, flowing.

CARD OVERVIEW

Exclusively for Businesses, the Card with premium travel benefits and rewards.

CARD OVERVIEW

A payment card with no pre-set spending limit - this Card offers you the basics you need to make purchases.

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Rewards and Access

Spending on your Amex Business Gold Card rewards your business. Watch your Card work for you:

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

Amex 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.
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 charges10.

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. Our partners include House of Fraser, M&S, Laithwaite's Wine, Molton Brown, and SpaFinder Wellness 365 – just to name a few.

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.

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Superior savings, service and support

Super savings

Amex 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.

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 benefit from earning Membership Rewards^® on your American Express^® Business Gold Card with our FX 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.

£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.

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.

Travelling to a meeting? You can still access your Account information when you’re on the go via your Online Account, or as a downloadable app for iPhone and Android devices.

Insurance and Protection

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.

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/The business have/has no County Court Judgements for non-payment of debt
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.

Need more information?

Speak to a specialist on:

0800 085 7732

Speak to a specialist on: 0800 085 7732

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Terms & Conditions

Important Information

Please ensure that you have read and downloaded these important documents before starting your application.

Read Terms & Conditions
Read Insurance Documentation
1. If you are approved and spend £6,000 on purchases on the American Express^® Business Platinum Card Account within the first three months of Cardmembership, 40,000 bonus Membership Rewards^® points will be awarded shortly after the end of the three months. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last 13 months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.
2. If you are approved and spend £3,000 on purchases on the American Express Business Gold Card Account within the first three months of Cardmembership, 20,000 bonus Membership Rewards points will be awarded shortly after the end of the three months. Business Gold or Business Platinum Cardmembers who are enrolled of have been enrolled in the Membership Rewards programme in the last 13 months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.
3. No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.
4. Annual Fees
4.1 Platinum Business Card a £595 annual Card fee will automatically be charged to your account on or after the anniversary of your account opening date. Applicants must be UK residents, aged 18 or over. Approval is subject to status and terms and conditions apply.
4.2 Gold Business Card The first year’s Cardmembership is complimentary and from year two of your membership, a £175 annual Card fee will automatically be charged to your Account on or after the anniversary of your Account opening date.
5. Payment Period
5.1 Platinum and Gold Business cards the maximum payment period on purchases is 54 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.
5.2 Basic Business card the maximum payment period on purchases is 42 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.
6. Employee Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and you will be liable for all charges made on the employee Card(s). Employee Cardmembers must be aged 18 or over. Written details available on request. Approval subject to status and Terms and Conditions.
7. Enrolment is required to receive loyalty programme benefits. Benefits are subject to change and availability and may vary by hotel and car hire loyalty programme partner. American Express Terms and Conditions apply. Hotel Loyalty programme benefits may not be combined with the Fine Hotels & Resorts programme. American Express reserves the right to instruct loyalty programme partner to cancel your membership if you cease to be a Platinum Business Cardmember or your Account is not in good standing
8. The Primary Platinum Business Cardmember and the first Supplementary Platinum Cardmember are elegible for part of the American Express Global Lounge Collection and will be enrolled automatically. In order to access over 500+ lounges in the Priority Pass programme, the Cardmember must present a valid Priority Pass membership card in their name, along with a boarding pass for same day travel. The Primary Platinum Business and supplementary Platinum Business Cardmembers who are enrolled to the programme can each bring 1 additional guest free of charge.Any additional guests will be charged a fee at the prevailing rate – currently £15 per person, per visit, to his or her American Express Platinum Card. Subsequent years’ renewal terms and conditions are at the discretion of Priority Pass. For Priority Pass Conditions of Use visit prioritypass.com. The Cardmember agrees to abide by the Conditions of Use, as detailed at prioritypass.com.

The Centurion Lounge
Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum Card account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location's jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. ©2018 American Express Travel Related Services Company, Inc. All rights reserved.

American Express International Lounges
Business Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Business Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Business Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behavior or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. In some Lounges the Business Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice. For details of individual American Express lounge access requirements please visit americanexpress.com/findalounge

Delta Sky Club
The Business Platinum Card Member must present his or her valid American Express Card, government-issued I.D., and same-day corresponding airline ticket to club ambassador. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs.For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub . All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub .

Escape Lounges
This benefit is available to Business Platinum Card Members. Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Escape Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.
9. Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service, Business Platinum Travel Service, American Express Travel online at americanexpress.co.uk/travel, or any American Express Travel office. Payment must be made in full with an American Express Card in the UK Platinum Cardmember’s name. Available for UK Platinum Charge Cardmembers. Cardmember must travel on itinerary booked to be eligible for benefits described. Noon check-in and room upgrade are based on availability and are provided at check-in. Certain room categories are not eligible for room upgrade; call Platinum Travel Service for details. Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast. Complimentary Wi-Fi is provided in room, with the exception of select properties where In-Room Wi-Fi is included as part of a mandatory daily resort fee or is not available. In these instances complimentary Wi-Fi will be provided in a common space on property. Call Platinum Travel Service for property specific details regarding Wi-Fi. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and additional FINE HOTELS & RESORTS promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Cardmember, per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating FINE HOTELS & RESORTS properties and benefits are subject to change.
10. Cardmembers will earn one additional Membership Rewards point in addition to their standard earn rate for every full £1 spent on eligible prepaid hotels, flights, car hire and experiences on the American Express Travel UK website americanexpress.co.uk/travel, excluding cruise bookings. Products that are booked on americanexpress.co.uk/travel which are not prepaid, but are paid directly to the supplier are not eligible to earn the additional Membership Rewards points. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points and Membership Rewards Terms and Conditions found at membershiprewards.co.uk/terms will apply. Please allow up to 10 weeks for Membership Rewards points to be credited to your account
11. The credit will be applied to your primary Card Account. The account balance must be higher or equal to the amount being credited. If you pay your bill through Direct Debit, the Direct Debit amount that appears on your statement will always be collected, even if you redeem your points for a credit on your Card. Please refer to your Card Account statement showing your outstanding balance or minimum balance due which will apply in all instances. Amounts credited will appear on your next Card Account statement following redemption of this reward. A points for credit request may be declined at our own discretion where the Card Account or Cardmembers’ other Accounts are not in good standing or there is not an outstanding balance on the Card. The redemption of points for credit will be applied within three business days, cannot be reversed and is not redeemable for cash via a credit balance refund
12. Terms and conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply
13. Eligible Cardmembers can redeem an Amex Offer by first enrolling in the offer in their Online Account or in the American Express® App and then using their enrolled Card to pay. Only U.K.-issued American Express Business Cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program, or any other Amex program. Available offers may vary for each eligible Card Member. Programme values quoted are based on the minimum available to customers by redeeming all of the offers available to them during a 12 month period. Please review the terms of each offer for details on how to redeem.
14. With your American Express Business Gold Card, you get at least one Membership Rewards point for each pound you spend on your Card for eligible purchases. Now in addition with the bonus in any Quarter (Quarter 1: 1 Jan to 31 March inclusive, Quarter 2: 1 April to 30 June inclusive, Quarter 3: 1 July to 30 September inclusive, Quarter 4: 1 October – 31 December inclusive), you will receive 10,000 Membership Reward bonus points once you have spent a cumulative £20,000 in that Quarter. The Bonus Points will be transferred to your Membership Reward account, and can be viewed on your Card Account statement.
You will continue to earn one Membership Rewards point on eligible purchases in excess of £20,000 in each Quarter for each pound you spend on your Card for the rest of that Quarter. Qualifying spend in each Quarter cannot be carried over to the following Quarter.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges. Full Terms and Conditions for the Membership Rewards programme continue to apply. Visit here for more information.
15. Terms & Conditions apply – please click here for full details.
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

The American Express^® Business Gold Card

Terms & Conditions

The American Express® Business Gold Card

Key Benefits

Rewards

Savings

Create your AmexExpense Account