In 2018, Over 1.6 million more places in the U.S. started accepting American Express® Cards.
American Express® Business Gold Card
Solutions to meet business needs.
- $295 Annual Fee¤
Get more rewards with 4X Membership Rewards® points on 2 select categories where you spend the most each month Details Get 25% points back, after you book a flight using Pay with Points Details Flexibility to pay eligible charges over time with interest, or pay your full balance, whichever is best for your business. Details
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American Express® Business Gold Card
Solutions to meet business needs.
Featured Business Gold Card Benefits
Maximize Rewards with 4X Points
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar.
To learn more about spending categories, visit
There is no limit to the total number of points you can earn.
Business Gold Card Benefits & Details
and more value from points
Quadruple Points. And then some. Earn more points in the 2 select categories where you spend the most each month. Earn 1X on other purchases.
4X points applies to the first $150,000 in combined purchases from these 2 categories each year.
Earning Membership Rewards® The Membership Rewards® program keeps it simple. Just use your Card for purchases, large or small, and watch the points add up. Plus, there’s no limit to how many points you can earn, and don’t worry about expiration dates because there aren’t any. Redeeming Membership Rewards® The Membership Rewards® program offers a breadth of exceptional rewards and the most point transfer partners, of any major U.S. credit card loyalty program. 25% Airline Bonus Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back.
Either book any class flight with your selected qualifying airline, or a First or Business class flight. You can get up to 250,000 points back per calendar year.
for managing cash flow
Pay Over Time Option The Pay Over Time option on the Card lets you carry a balance with interest on purchases of $100 or more.
How it works:
Purchases of $100 or more are eligible to be paid over time, up to the amount of your Pay Over Time limit on your account. You can choose to pay for these purchases over time with interest, or you can pay your full balance, whichever is best for your business. All purchases under $100 are due in full each month.
No Pre-Set Spending Limit The Business Gold Card has no pre-set spending limit, which gives you purchasing power that adjusts with your use of the Card and other factors.
No preset spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.
Access to Working Capital Terms from American Express Get additional funding beyond what you can spend on Business Gold with our Working Capital Terms program, a flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted. Easily opt in with no additional credit check to enroll or collateral required to fund vendor payments. Pick your term of 30, 60, or 90 days and we will send payment to your verified vendor up front for a corresponding fixed-fee as low as 0.6%, 1.2%, or 1.8%.
Fees are between 0.6% - 1.75% for 30 days, 1.2% - 3.50% for 60 days, and 1.8% - 5.25% for 90 days, and are subject to change. Not all customers will be eligible for the lowest fee.
to help you track and organize expenses
American Express® Business App Simplify the way you and your employees manage Business Card receipts with the American Express® Business App. Year-End Summary Organizing your expenses can be a time-consuming task. That’s why we provide a Year-End Summary of charges to help you manage your account online. It’s one of many features that come with carrying a Business Card from American Express. Employee Cards Add Employee Cards to earn rewards‡ on employee purchases and stay on top of expenses with spending limits, alerts, and summary reports. The Business Gold Card offers an Employee Card option with no annual fee. Account Manager Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Cards, so you’re free to focus on other priorities. Account Alerts Set Account Alerts to help you avoid late payments, notify you of irregular activity, and monitor Employee Card use. Online Statements View your purchase history, prepare reports, and budget your expenses. American Express® App Track spending and rewards, find offers, make a payment, and get important account alerts in real-time with the American Express® App. Vendor Pay by Bill.com You can make the most out of paying your business bills. Improve your cash flow and take advantage of Card benefits when you use your Card to pay bills with Vendor Pay by Bill.com.
Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user. Additional fees may apply based on plan type and number of users.
perks and protection when you're doing business on the road
No Foreign Transaction Fees Do business globally and pay no foreign transaction fees on your purchases.*¤ *American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions. The Hotel Collection Book The Hotel Collection with American Express Travel and get the following benefits at participating properties when you stay at least two consecutive nights:
- $100 hotel credit, to spend on qualifying dining, spa, and resort activities
- Room upgrade upon arrival, when available
Global Assist® Hotline When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers. The Travel Collection by Travel Leaders Group Planning your next business trip? Get access to travel discounts and amenities when you enroll in The Travel Collection by Travel Leaders Group at no additional cost. To learn more visit TheTravelCollection.com or call a Travel Collection Specialist to enroll at 877-485-8053 between 8am and 12am ET Monday through Friday or between 9am and 6pm ET on Saturdays and Sundays. Baggage Insurance Plan♦︎ Travel more comfortably knowing you can be covered by the Baggage Insurance Plan♦︎ for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions. Car Rental Loss and Damage Insurance♦︎ As a Card Member, you can be covered if your eligible rental car is damaged or stolen when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
for Card Members
Dispute Resolution We will work with you to help resolve the issue if there is a fraudulent or incorrect charge on your statement. Amex Offers Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding. Relationship Care® Service Get round the clock, world-class customer support from our special brand of Relationship Care® service. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support. We are committed to serving your unique needs and helping you unlock the power of your Card.