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American Express Business Gold CardAmerican Express® Business Gold Card
American Express® Business Gold Card
4X points that adjust to your spending.
Solutions to meet business needs.

  • 4X points on 2 select categories where you spend most each month, up to the first $150K in combined spend. 1X points on purchases thereafter.Details
  • Spending CapacityDetails
  • Flexibility to pay eligible charges over time with interest, or pay your full balance, whichever is best for your business.Details
  • $295 Annual Fee¤
*No Pre-Set 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.
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♦︎Offer & Benefit Terms¤Rates & Fees

4X points that adjust to your spending.
Solutions to meet business needs.

Featured Business Gold Card Benefits

Maximize Rewards with 4X Points

Earn 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below, plus earn 1X on other purchases.
  • 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, including takeout and delivery
  • U.S. purchases for shipping
Terms & Limitations Apply

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.

American Express can now be accepted at 99% of places in the US that accept credit cards.*

   *Based on Feb. 2020 Nilson Report.

Business Gold Card Benefits & Details

  • Get More Rewards and more value from points

    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 BonusBook 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.
  • Flexible solutions for managing cash flow

  • Expense Management Tools to help you track and organize expenses

  • Travel & Transportation perks and protection when you're doing business on the road

  • Even More Benefits for Card Members

♦︎Offer & Benefit Terms¤Rates & Fees
♦︎Offer & Benefit Terms¤Rates & Fees