Home / Business Credit Cards / American Express® Business Gold Card

Advertiser & Editorial Disclosure

American Express® Business Gold Card

Terms, Rates & Fees

Apply Now

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.* PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.* *Terms Apply.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

10/10

Bottom Line

This is a flexible card towing the line between credit and charge card. There is a hefty annual fee of $295, 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.

Apply Now

Rates and Fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

19.49% - 27.49% 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

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

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.

Advertising Disclosure

The credit card, financing and service products that appear on this site are from credit card, financing and service companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card, financing and service products or all available credit card, financing and service products. All images and trademarks are the property of their respective owners. Editorial and review content is the property of Nav, and has not been approved, provided, or reviewed by the company providing the credit card, financing, or service.

For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews 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.