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Earn 20,000 Bonus Membership Rewards Points plus your First Year Annual Card Fee on us

Deferred payment
Defer payment on purchases for up to 54 days1
Rewards programme
Membership Rewards®
Spending limit
No pre-set spending limit2
Annual fee
£125 annual fee (£0 in your first year)3


Service is important in business. It's what set businesses like yours, and ours apart. That's why we've designed a Card for business owners. Read on for more info.

Membership Rewards

Earn 1 Membership Rewards point for virtually every full £1 you spend on the Card. 5  

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.6

Invest in your business by turning expenses into Membership Rewards points which can be used to redeem against rewards for your clients, employees and yourself.

Maximise Cashflow

Enjoy up to 54 days interest-free credit on purchases. 1

No pre-set spending limit provides greater purchasing power.2

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. 4 That's enough for a return business class flight from London to selected European destinations.11Plus enjoy your First Year Annual Card Fee on us (usually £125).3

Supplementary Cards

Supplementary Cards for your colleagues and employees, at no additional charge.

Enjoy closer control of business expenses by consolidating all spend under one account.

Earn Membership Rewards points from spend on Supplementary Cards.

Cash Flow Management Support

Make cash flow management for your business easier with the Gold Business Card. 

Beneficial Business Payment Terms

Up to 54 days interest free on purchases gives you greater control over your cash flow. Simply pay your balance in full every month.1

Dynamic Purchasing Power

No pre-set spending limit provides greater purchasing power, for when you need to make those larger item purchases.2

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. 

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.7


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.8 There is a minimum redemption of 1,000 points.

Put more into your business. And your pocket.

The Gold Business Card from American Express 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. You will also get access to our American Express Invites Programme and exclusive Cardmember offers with our global partners.

New Cardmember Welcome Bonus

Earn a 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.4 

Earn Membership Rewards Points

Earn one Membership Reward point for virtually every full £1 you spend on the card5, 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.6

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

Redeem Membership Rewards Points

Use the points you earn to reward your employees or even treat yourself, with the great range of Memebership Rewards from superb brands and world-class partners.

From business flights and office equipment, to high tech gadgetry and spa day experiences, you will find lots of options to redeem point from. Learn more  

Frequent Traveller Programmes

Transfer points you've earned on your business spend to one of our partner's frequent traveller programmes, and use them to enjoy complimentary stays, flights, dining and more- for business or pleasure.

Our partners include  British Airways,  Club Carlson,  Eurostar  and  Virgin Atlantic Flying Club

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 extra loyalty points. Many of the offers are specifically negotiated for Business Cardmembers.

Previous partners have included: British Airways,  Eurostar,  Expedia,  Harvey Nichols, Opodo, Starwood Hotels and Virgin Atlantic

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 

Assistance whenever, wherever you need it

Enjoy the peace of mind to travel and make business purchases with confidence.

Travel Accident Insurance

You’re protected when you use your Gold Business Card to book your travel tickets, with travel accident benefit up to £250,000.9 

Travel Inconvenience Insurance

Buy flight tickets on your Gold Business Card and we’ll help you to get on with your trip when you’re faced with delays.9

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.

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.

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.9

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 £300.9

Stop looking for more time. Start saving it.

The Gold Business Charge Card has been specially designed to help you with the everyday running of your business, from managing your finances to offering support at every turn.

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, report your Card lost, damaged or stolen and we will help you replace it. 

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.10

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.

Who should apply?

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
  • You/The business have/has no County Court Judgements for non-payment of debt
  • You are aged 18 or over
  • You have a personal income over £20,000
  • 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:

Personal details: 

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:

  • Your annual income
  • Any existing American Express Card number (this can help speed up the decision-making process of your application).

Business details:  
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 Trading Address are required where applicable. To complete the application process, we may request additional details for verification and authentification purposes. Do ensure you have the following details to hand, if relevant for your business.

  • 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.
  • 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.

Please read important information below

Read Terms & Conditions
Read Summary Box
Read Insurance Documentation
Your guide to the Lending Code

Important Information:

If you'd prefer a Card without any rewards, other features or a Card membership fee, an alternative option is available – the Basic Business Card.

1. The maximum amount of time for deferred payment on purchases is 54 calendar 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.

3. With this offer the first year’s Cardmembership is complimentary and then the annual Cardmembership fee is £125. From year two of your membership, a £125 annual Cardmembership fee will automatically be charged to your account on or after the anniversary of your account opening date.

4. If you are approved for an account and spend £3,000 on purchases on the account within the first 3 months of Cardmembership, 20,000 bonus Membership Rewards points will be awarded onto your account. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Membership Rewards enrolled American Express Cards in the past 6 months.

5. Points are not earned on American Express Travellers Cheques, Foreign Exchange, Express Cash transactions and other Account Charges Including Membership Rewards fees and annual Card fees. Read the full terms and conditions here

6. Membership Rewards points never expire as long as your account is open and in good standing.

7. 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 be applied in all instances. Amounts credited will appear on your next Card statement following redemption of this reward. We may decline a Points for Credit request 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 3 business days, cannot be reversed and is not redeemable for cash via a credit balance refund. 

8. You can redeem points against any of your eligible travel transactions and choose how many points you would like to redeem for a credit. There is a minimum redemption of 1,000 points. Tripflex credits will appear on your account within three working days.

9. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Card member. Terms, conditions and exclusions apply. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply.

10. Subject to registering and approval for an American Express Foreign Exchange International Payments account.

11. Calculation based on Example based on transferring 18,000 Membership Rewards points to British Airways Avios. Calculation made for a return business flight from London (all airports) to Geneva (GVA, Geneva) or Berlin (TXL, Tegel) on 26th February 2015, usng the British Airways Avios Points Calculation website here. Tax, Terms, and Conditions apply, subject to changes and availability.

Participating business partners may vary from time to time. Offers are subject to availability and may vary.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. The American Express Gold Business Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Company Number 1833139. American Express Services Europe Limited is authorised in the United Kingdom by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.