American Express® Business Gold Card
Solutions to meet business needs.
- $295 Annual Fee¤
Get more rewards with 4X 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 over time with interest, or pay your full balance, whichever is best for your business. Details> Details>
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
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.
to help you track and organize expenses
Connect to Quickbooks Label and transfer your transaction data from your American Express online statement directly into your QuickBooks account. Spend ManagerSM Spend ManagerSM is a feature available to help you manage your Card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device. 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. Mobile and Tablet Apps Easily manage your account, pay your bill, check your balance, view your benefits and more from your mobile phone or tablet.
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 Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc. Terms apply. 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. Premium Roadside Assistance Your car breaks down or you blow a tire. Now what? Just call us to change a flat, jumpstart a battery, or get a tow up to 10 miles. We will pay for included emergency services up to four times a year, even if you're in your driveway. With one call, help is on the way. And soon you'll be on yours. There are some vehicle exclusions and other important restrictions. 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. Travel Accident Insurance♦︎ Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance♦︎ can cover travel by plane, train, ship, or bus when you purchase the entire fare on your eligible Card. 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
Extended Warranty♦︎ When you use your American Express® Card for eligible purchases, you can get up to two extra years* added to the original manufacturer’s warranty. Applies to warranties of 5 years or less. Please read important exclusions and restrictions. *For residents of Indiana, Guam, Puerto Rico, and Northern Mariana Islands, Your coverage will continue to match the original warranty period for warranties of less than one (1) year or provide one (1) additional year if the warranty is between one (1) and five (5) years. Purchase Protection♦︎ When something you buy breaks or is stolen, Purchase Protection♦︎ can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 120 days* from the moment you buy them. Please read important exclusions and restrictions. *For residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands coverage duration remains at 90 days. 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. Return Protection With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. 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.
More Business Solutions
American Express also offers a program to finance vendor payments, even if credit cards aren’t accepted.