American Express® Business Gold Card
With the American Express® Business Gold Card, you can customize your rewards program and earn then even more on your top spending categories. This card carries a host of other benefits as well, including points back Airline Bonus and the American Express Pay Over Time feature. Though this card is… Continue
Rates and Fees
| Intro APR | N/A |
|---|---|
| Purchase APR | 19.49% - 28.49% Variable |
| Annual Fee | $375 |
| Welcome Offer | Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* |
| Rewards Rate | Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. |
Details
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Nav's Verdict
Bottom Line This is a flexible card towing the line between credit and charge card. There is a hefty annual fee, so it's good for companies who make large purchases in the same few categories.
With the American Express® Business Gold Card, you can customize your rewards program and earn then even more on your top spending categories. This card carries a host of other benefits as well, including points back Airline Bonus and the American Express Pay Over Time feature.
Though this card is popular among business owners with fluctuating spending needs, if you spend a significant amount of money on travel may want to consider the or the American Express Delta Business cards.
Conversely, if you’re seeking a straight forward rewards card for everyday use, you may want to look into the card or the card.
Features & Rewards
Card Review Details
As a rewards card, the offers a level of customization that sets it apart from some of the best business credit cards. While many business rewards cards allow business owners to select the category of their choice, the card adapts to your monthly spending habits.
For instance, if you spend the most on advertising and shipping in one month, the will retroactively reward 4X points on those purchases. If you spend more at gas stations and restaurants in the following months, then your top earning categories will update and you’ll receive 4X points for those purchases
The also offers other non-point related perks, including the Pay Over Time feature, which allows you to carry over balances above $100, and a 25% Airline bonus, which will earn you 25% points back when book air travel with AmexTravel.com
Plus, at the time of publication, new customers also are able to take advantage of a year-long memberships to Google Suite and ZipRecruiter.
While there certainly are perks associated with this card, it should be noted that there is a $295 annual membership fee. If you are planning to use this card as your primary payment source, then you’ll likely find the fee, but if not, it may not be worth it. American Express offers numerous business credit cards, and so if you’re considering applying for a card, it may be helpful to compare all American Express business credit cards. As you review all cards, be sure to consider your spending habits, financing needs (e.g, balance transfers, rewards travel, low-interest, etc.), and card-specific rewards and benefits.
What are the requirements?
American Express does not provide a specific list of requirements, but in order to apply for the card, you must be able to provide the following:
- Industry type
- Years in business
- Annual revenue
- Estimated annual spend
- Tax ID (SSN is acceptable for sole proprietors and LLCs. Corporations and partnerships must provide an EIN)
In addition, while Amex doesn’t provide specific information regarding credit scores, typically, approved applicants have excellent personal credit.
What is the credit score requirement?
American Express does not provide information about minimum credit scores; however, most approved applicants have what’s considered good/excellent. If you’re planning on applying for the , your chances of approval will likely increase if you have a credit score of 740 or higher.
vs — Which is better?
was designed for business owners who spend a significant amount of money on travel expenses; however, it does come with an annual fee of . If you don’t plan to spend a lot of on travel, then the , which has a annual fee, may be a better option.
vs Gold — Which is better?
While both cards can meet your business financing needs, card is not a rewards card. Instead, this card’s primary benefit is payment flexibility. Cardholders can get a 1.5% discount for paying their bill early, or they can have up to 60 days to pay their bill.
If your primary goal is to accumulate and use rewards points, then Gold may be your best option; however, if you’re looking for increased payment flexibility, then you may want to consider .
What is the credit limit?
Many American Express Business cards are offered with “No Pre-set Spending Limit.” Under this policy, cardholders will find that their purchasing power can increase or decrease based on their payment history, credit record, and financial resources as they are known to Amex
This means that, unlike other cards, you do not need to call to request a credit limit increase. Instead, the credit limit is adaptive based on the factors previously mentioned.
Can I still earn the 100k welcome offer?
At this time, the does not offer a welcome offer, aside from the free Google Suite and ZipRecruiter memberships. Of course, welcome offers can change, and so it’s best to check the Amex website for the most up-to-date offer and rewards information.
Can I still earn the 75k welcome offer?
Like the 100k welcome offer, the 75 points welcome offer has also expired. Currently, this card does not carry a reward points welcome offer; however, it’s always best to consult the Amex website for the most recent news on welcome offers and rewards points.
Is the a metal card?
Yes. Like the Platinum Business card, the is a metal card.