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Business Gold Card - American Express UK
Earn 20,000 bonus Membership Rewards points*

The American Express®
Gold Business Card

* Earn 20,000 bonus Membership Rewards® points if you are approved and spend £3,000 in the first three months of Cardmembership.1

Get your first year's annual Cardmembership fee on us (usually £125)2
Up to 54 days deferred payment on purchases. Just pay off your balance in full each month. 3
Your purchasing capacity adjusts according to the needs of your business.
Earn 1 Membership Rewards point for virtually every full £1 you spend on the Card5

For your employees, at no additional charge6


Card overview

Exclusively for Businesses, you could turn business purchases into rewards and keep your cashflow flowing with the Gold Business Card.

Cashflow management

Up to 54 calendar days interest-free credit on purchases3 and no pre-set spending limit provides greater purchasing power. Just pay off your balance in full every month. 4

Making business more rewarding

Earn 1 Membership Rewards point for virtually every full £1 you spend on the Card. Use these points to reward yourself, your clients or employees, or to reinvest in your business. .5

Apply for the Business Gold Card

If you’d prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available – the Basic Card

Card offer

Get your First Year Annual Card Fee on us (usually £125).2

• Plus, receive 20,000 bonus Membership Rewards points, if you are approved and spend £3,000 in the first three months of Cardmembership.1

That’s enough for a business class return flight from London to selected European destinations, such as Berlin or Paris.Terms, taxes, fees and charges apply.7

Apply for the Business Gold Card


Up to 54 days deferred payment on purchases

The Card can help provide you with greater control over your cashflow.

• If you are currently paying for your expenses by cash, invoice or cheque the payment will leave your account right away. Whereas, with the Gold Business Card you have up to 54 calendar days of interest-free credit until your payment is due so you can keep money in your Account for longer and have more flexibility when managing your finances.3 

• Just pay your balance in full every month.

Apply for the Business Gold Card

No pre-set spending limit

The Card has no pre-set spending limit which means you have greater purchasing power to help you do business daily and when you need to make larger item purchases.4

• Your purchasing capacity evolves according to the needs of your business and adjusts based on your current spending patterns, payment history, credit record and financial resources.

Apply for the Business Gold Card


Earning Membership Rewards points

The American Express Gold Business Card could help you get more from your business expenses:

• Earn 1 Membership Rewards point for virtually every full £1 you spend on the Card5. 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. 

• You can also earn 1 Membership Rewards point for virtually every full £1 spent on Supplementary Cards

• Plus, earn one additional point for virtually 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 charges.8

Apply for the Business Gold Card

Redeeming Membership Rewards points

You can use the points you earn to treat yourself, your employees or clients, or to reinvest in your business.

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 can support your bottom line9. Alternatively you could redeem for rewards from popular brands such as merchandise from Apple or Gift Cards from Currys PC World.

• 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, Starwood, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.

Apply for the Business Gold Card

Access with American Express
American Express Invites®

Whether it's entertaining clients, rewarding your employees, or treating yourself, make it a memorable experience with American Express Invites.

• The Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.

Apply for the Business Gold Card


World Class Service

Running your business could be made easier with a great range of resources designed to help you maintain control of your business expenses, while also helping to provide some peace of mind.

• Our global customer service team is here to help - wherever you are in the world, whatever the time of day.

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.

Apply for the Business Gold Card

Complimentary Supplementary Cards

You can request up to 99 complimentary Supplementary Cards for employees and associates.6

• The Cards can help you consolidate all business expenditure under one Business Card Account so you'll be able to see exactly where your money is going on your monthly statement.

• You'll also save time when tracking and sorting expenses. Plus you receive the Membership Rewards points from purchases on Supplementary Cards.

Apply for the Business Gold Card

Insurance and Protection

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.10

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 £300.10

Travel Accident and Travel Inconvenience Insurance - 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 £200.10

Apply for the Business Gold Card

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.

• You can also access the most important account information when you’re on the go via our mobile website, or as a downloadable app for iPhone and Android devices.

Apply for the Business Gold Card


Applying for busines card
Am I eligible?

To save time before applying, it’s best to make sure you can say yes to the following:

checkbox The business has a current UK Bank or Building Society account

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

checkbox You are aged 18 or over

checkbox  You have a personal income over £20,000

checkbox You have a permanent UK home address

checkbox You will pay the annual Cardmembership fee of £125

checkbox 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.

Apply for the Business Gold Card

If you’d prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available – the Basic Card

Terms & Conditions

Read Terms & Conditions 

Read Summary Box

Read Insurance Documentation

Your guide to the Lending Code


1. If you are approved and spend £3,000 on purchases on the 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. Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.

2.The first year’s Cardmembership is complimentary and from year two of your membership, a £125 annual Card fee will automatically be charged to your Account on or after the anniversary of your Account opening date.

3. The maximum amount of time for deferred payment 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.

4. 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.

5. Membership Rewards points are earned on virtually every full £1 spent and charged, per transaction. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. Visit for full Membership Rewards Terms and Conditions.

6. Supplementary Cards allow you to share some of the benefits of your American Express Business Card with employees, colleagues and others close to you. You will be the main Cardholder and you, the Business and the Supplementary Cardholder will be jointly and severally liable for all charges made by a Supplementary Cardholder with their Card. Additional Cardmembers must be UK residents aged 18 or over. Approval subject to status and terms and conditions apply.

7. Example based on transferring 18,000 Membership Rewards points to 18,000 Avios, the reward currency of the British Airways Executive Club. Costs quoted are for peak fare flights. Calculation made for a return business class flight from London (all airports) Berlin (TXL, Tegel), using the British Airways Avios Points Calculation website on the 11th May 2015, found at Reward bookings are subject to availability and cannot be waitlisted. Reward bookings are subject to taxes, fees and carrier charges. BA Terms and Conditions apply and can be found at

8.Cardmembers will earn one additional Membership Rewards point in addition to their standard earn rate for virtually every full £1 spent on eligible prepaid hotels, flights, car hire and experiences on the American Express Travel UK website, excluding cruise. Products that are booked on 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 will apply. Please allow up to 10 weeks for Membership Rewards points to be credited to your account.

9. 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.

10. 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

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions 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.

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