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Gold Business Card

Benefits and Rewards Access hard-working business benefits and unique rewards on business spend

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

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

Closer expense control and more rewards
Consolidate your business expense spending with complimentary Supplementary Cards.
Apply for complimentary Supplementary Cards for colleagues and employees and you will:

  • consolidate expenditure in one business account, helping to improve control and save time sorting expense claims
  • boost your Membership Rewards points balance with virtually every transaction on Supplementary Cards earning points for your account

You can apply for up 99 Gold Business Supplementary Cards at no additional cost.
Apply for Supplementary Cards

Membership Rewards
Your rewards, your way
Earn Membership Rewards points on virtually all your business spend.
With the Gold Business Card, you get rewards on virtually all your business expenditure, which you can redeem for business or personal rewards whenever you wish.
You earn one Membership Rewards point for virtually every full pound you spend.3
Your Supplementary Cardmembers earn Membership Rewards points for your account
Office equipment or supplies, fuel, travel or entertaining, it all adds up to great rewards.

A huge range of redemption options
You will find more than thousand redemption options to choose from.
You can redeem your points for client entertaining, staff incentives, computers, software or office furniture, travel, hotel stays and more. Or improve cash flow by using your points to pay for eligible charges.

Reward potential 4
5000 Points
£25 Currys PC World Gift Card
£25 Europcar Car Hire Voucher

10,000 Points
One night stay at a category 4 Starwood Hotel or Resort
£50 East Coast trains eVoucher

20,000 Points
Return Business class fight from London to Paris, Berlin or Amsterdam with British Airways5
£100 Hertz Car Hire Voucher

40,000 Points
Two return economy fights from London to Rome, Paris with British Airways5
New TomTom Go Live 820 with Europe maps (38,000 points required)

Take a look at the Online Catalogue to see what you could get

American Express Invites – the hottest tickets and events6
American Express Invites gets you access to tickets before they go on general sale. Perfect for client entertaining, team incentives or a well-deserved 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.3
Enrol in American Express Invite

Exclusive Cardmember offers
American Express Cardmembers Offers brings you specially negotiated offers from global partners. 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, Selects brings you special offers from a variety of partners
  • Previous partners have included: British Airways, Virgin Atlantic, Starwood Hotels, Expedia, Opodo, Harvey Nichols and Eurostar
  • What’s more, you also earn points when you pay for a Selects deal with your Gold Card. Take a look around Selects today; you never know what might catch your eye.


Your Card Insurance
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.6

Refund protection too
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 £300.6

Travel Accident Insurance
Your Gold Card looks out for you on your trips abroad.
You’re protected when you use your Gold Business Card to book your travel tickets, with travel accident benefit up to £250,000. 6

Travel Inconvenience Insurance
Smoothing your journey, should flights you buy on your Card be delayed.
Buy flight tickets on your Gold Business Card and we’ll help you to get on with your trip when you’re faced with delays6:

  • 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

Globally 24-hour support with Global Assist®
Wherever you are, help is only a call away.
If you’re away on business and run into trouble, Global Assist®, a complimentary service that comes with your Gold Business Card, is just a phone call away – bringing you help globally in your own language, 24/7. Just call us +44 (0) 20 3126 4113

Online business account management
24/7 online business 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. You can now 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.
  • Access and manage your accounts online
  • Check your balance
  • Pay your bill
  • View your Membership Rewards® points

Enrol for Online Services now

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 Card lost, damaged or stolen and we’ll replace it as quickly as humanly possible.
Just call us 0800 917 8043

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

Statement of Lender and Borrower Responsibilities

Terms and Conditions


  1. The maximum amount of time for deferred payment 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 redemption examples are correct at the time of going to print.
  5. Based on airline transfer redemption with British Airways Executive Club. Rewards flights are subject to applicable taxes, fees, charges and surcharges. Full Executive Club terms and conditions apply, visit ba.com for details.
  6. 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.
  7. Terms and conditions apply. Full details of the travel protection benefits currently available can be found in the Terms and Conditions available at Gold Business Card Insurance Terms and Conditions Read Gold Business Insurance Documentation . 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.