Advertiser & Editorial Disclosure

American Express® Business Gold Card

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.* MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **. **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.* PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.* *Terms Apply.

Nav's Verdict

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

10/10

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
14.24% - 22.24% Variable
Annual Fee
$295
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
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.
Foreign Transaction Fee
None

Reviews

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