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.* 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

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 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.

Rates and Fees
Intro APR
N/A
Purchase APR
19.49% - 27.49% 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.
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.