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The Gold Business Card

20,000 Membership Rewards® points if you spend £3,000 in the first 3 months of Cardmembership
Annual Fee £125 (£0 in first year)

Spending limit
No pre-set spending limit
Cashflow management
With up to 54 days payment period on purchases
Annual fee
£125 (£0 in first year)
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available –
The Basic Business Card

Key Benefits


Use your Card for your business expenses and you’ll earn one point for every full £1 of your business spend. You can then redeem your points on a variety of things such as flights for your business travel, computers for the office, or corporate entertaining and gifting.


With a payment period of up to 54 days on purchases, this gives you greater control over your cashflow. Simply pay your balance in full every month.


No pre-set spending limit gives your business greater purchasing power.


Supplementary Cards enables you to extend Cardmember benefits to colleagues and employees and easily keep track of your business expenses. There is no charge for additional Supplementary Cards.

Making business more rewarding

The Gold Business Card can help you get more from your business expenses by earning you Membership Rewards points, which you can redeem for a great selection of rewards from superb brands and world-class partners.
  • Welcome Bonus
  • Membership Rewards points
  • American Express Travel
  • Cardmember offers
Read more

Business benefits

Make cash flow management for your business easier with the Gold Business Card.
  • Dynamic purchasing power
  • Pay with points
  • Supplementary Cards
  • Beneficial business payment terms
  • Tripflex
  • Foreign Exchange (FX) International Payments
Read more

World-class Service

The Gold Business Card has been specially designed to help you with the everyday running of your business, from managing your finances to offering protection at every turn.
  • Travel Accident Insurance
  • Purchase Protection
  • Refund Protection
  • American Express Invites
  • Global Assist®
  • Emergency Card Replacement
  • Business account management
Read more
Making business more rewarding
New Cardmember Welcome Bonus
New Cardmember Welcome Bonus of 20,000 Membership Rewards points, if you are approved and spend £3,000 in the first three months of Cardmembership.
Membership Rewards points
Membership Rewards points - earn one Membership Rewards points for every full £1 you spend on the card, so the more spend you put on the Card, the more points you earn. There is no limit to the points you can earn, and your points never expire as long as your Account is open and in good standing. Redeem Membership Rewards points- use the points you earn to reward your employees or even treat yourself. Learn more
American Express Travel
Earn one additional bonus 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 to pay for your next trip in part or in full including any taxes and charges.
Exclusive Cardmember offers
Enjoy access to fantastic offers specially created for American Express Cardmembers, from complimentary flight upgrades to special discounts, and many that are specifically negotiated for
Business Cardmembers. Previous partners have included: British Airways, Eurostar, Expedia, Harvey Nichols, Opodo, Starwood Hotels and Virgin Atlantic.
100,000+ points
Shopping - iPad 2 with Wi-Fi + 16GB + 3G
Travel - Five night stay at a category 6 Starwood hotel or resort, like the W New York, Times Square

Experience - £500 gift voucher for buyagift.co.uk which can be used on once in a lifetime experiences or a fantastic range of gifts.
40,000 points
Shopping - New Tomtom Go Live 820 with Europe maps or a £200 Amazon.co.uk gift certificate**
Travel - £200 Hertz Car Hire voucher

Experience - Smartbox Delicious Retreats giftbox (40,280) - enjoy a delicious retreat at one of 50 hand-picked hotels.
20,000 points
Shopping - £100 gift card at Currys PC World, Homebase, House of Fraser, M&S or a £100 Amazon.co.uk gift certificate**
Travel - £100 East Coast trains eVoucher - Return Business class flight from London to Paris, Berlin, or amsterdam with British Airways*

Experience - Smartbox Unusual Excapes giftbox; choose from up to 50 hand-picked unusual escapes such as sleeping in a yurt or a log cabin.
10,000 points
Shopping - £50 gift card at Currys PC World, Homebase, M&S or a £50 Amazon.co.uk gift certificate**
Travel - Return economy flight from London to Paris, Berlin or Amsterdam with British Airways*

Experience - Smartbox Adventure giftbox - choose from 200 of the best adventure activities the UK has to offer, from off-road driving, canyoning or rock climbing.
5,000 points
Shopping - £25 gift card at Currys PC World, Homebase, M&S or a £25 Amazon.co.uk gift certificate
Travel - one night stay at a Sol Media 'Sol' hotel (5,500 points required).

Experience - £25 Gift Card for wagamamas or Starbucks or £25 Gift Voucher for Carluccios or D&D (a group of over 20 of the most famous restaurants in London, including Floridita and Le Pont de la Tour)
Redeem with American Express or with our partner's frequent traveller programmes
Examples representative of redeeming Membership Rewards points.
*Terms, taxes and fees apply. Subject to availability.

**Amazon.co.uk is not a sponsor of this promotion. Amazon, Amazon.co.uk, the Amazon.co.uk logo, and the smile logo are trademarks or registered trademarks of Amazon EU SARL or its affiliates. Amazon.co.uk Gift Certificates (“GCs”) may be redeemed on the Amazon.co.uk website or affiliated website Javari.co.uk towards the purchase of eligible products listed in our online catalogue and sold by Amazon.co.uk or any other seller selling through Amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See
www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued and © 2012 by Amazon EU Sarl.
Business benefits
Dynamic purchasing power
No pre-set spending limit provides greater purchasing power, for when you need to make those larger item purchases.
Pay with Points
Use your points to save money by investing back into your business. Redeem Membership Rewards points for a statement credit against charges on your Account.
Supplementary Cards
Apply for Supplementary Cards for your employees and extend Cardmember benefits to colleagues and employees. With all business expenditures coming out of the one business account, you'll be able to see exactly where the money is going on your statement. You'll also save time when tracking and sorting expenses.
Beneficial business payment terms
With up to 54 days payment period on purchases gives you greater control over your cash flow. Simply pay your balance in full every month.
Use Membership Rewards points to offset eligible business travel expenses directly on your statement, helping to reduce your business expenses and improve your cash flow. There is a minimum redemption of 1,000 points.
Foreign Exchange (FX) International Payments
When it comes to your international payments, you need complete confidence. FX International Payments is American Express' quick, online service with advanced security that helps you streamline your international payments process.
World-class service
Travel Accident Insurance
You’re protected when you use your Gold Business Card to book your travel tickets, with travel accident benefit up to £250,000.
Purchase Protection
If you buy an eligible 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.
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.
American Express Invites
Whether it's entertaining clients or rewarding your employees, make it a memorable experience with American Express Invites. Enjoy access to some of the most in-demand music, film and theatre events in town, often before they go on general sale. Tell me more
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 Business Card Replacement
No matter where your business takes you, you’ll never be stranded. Report your Card lost, damaged or stolen and we will help you replace it.
Business account management
24-hour secure online business account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card. You can also access the most important account information via our downloadable app for iPhone and Android devices.
To apply for the Gold Business Card, you should be able to say yes to the following:
  • The business has a current UK bank or building society account
  • I/ The business have/ has no County Court Judgements for non-payment of debt
  • I am aged 18 or over
  • You have a permanent UK home address
  • You will pay the annual Cardmembership fee of £125.
  • You will not be eligible for any Welcome Bonus award if you currently hold or have held any Membership Rewards enrolled American Express Card in the past six months.
To ensure timely completion of the application for your Gold Business Card, it’s best to make sure you have the following information with you before you start to apply for the Card:
Starting an application
To ensure timely completion of the application for your Gold Business Card, it’s best to make sure you have the following information with you before you start to apply for the Card:
  • The Your Personal Details section is where you tell us about yourself. Please provide your accurate home address to ensure timely processing of your application. In addition to this you’ll need to provide
  • The Business Details section is where you tell us about your business. When completing the application, please note that the Business Trading Address and the Registered Address is required where applicable. To complete the application process, we may request additional details for verification and authentication purposes. Do ensure you have the following details to hand, if relevant for your business:
  • Your annual personal income
  • The details of all individuals who own or control 25% or more of the company’s shares or voting rights, even if these interests are held indirectly
  • Any existing American Express Card number (this can help speed up the decision making process of your application)
  • The details of up to 4 Directors/Partners/Committee Members/Officers (where applicable). If the business is run by a sole trader, you will need to provide the details for the sole trader.
Product Terms
Please ensure that you have read and downloaded these important documents before starting your application.
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative Card is available - The Basic Business Card.

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the
Lending Standards Board

Ready to apply?

20,000 Membership Rewards® points if you spend £3,000 in the first 3 months of Cardmembership. Annual Fee £125 (£0 in first year).
The Gold Business Card is offered by American Express Services Europe Limited. Click here for more information