Advertiser & Editorial Disclosure

American Express® Business Gold Card

American Express® Business Gold Card
American Express is a Nav Partner
Terms, Rates & Fees
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †. †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.* AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.* PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.* EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.* Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.* *Terms Apply.

Nav's Verdict

Cost
60% Complete
HighLow
Effort to Apply
20% Complete
DifficultEasy
Card Perks
90% Complete
PoorGood
Features
70% Complete
PoorGood

7/10

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.

Pros

This card has a great rewards program and offers flexibility compared to true charge cards.

Cons

High annual fee. Only 1x rewards outside of your top categories.

Rates and Fees
Intro APR
N/A
Purchase APR
16.24% - 24.24% Variable
Annual Fee
$295
Welcome Offer
N/A
Rewards Rate
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
Foreign Transaction Fee
None

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.



May 9 2018

Great card for our business with great rewards. Annual fee isn't too expensive either.



August 24 2016

My wife and I like to travel and getting points for each purchase is really nice. The signup bonus helped us on our trip to Hawaii.

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