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

Advertiser & Editorial Disclosure

American Express® Business Gold Card

Terms, Rates & Fees

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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, 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.

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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

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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.