If you are a business owner and looking to earn Membership Rewards Points in popular bonus categories, the American Express® Business Gold Card It is an excellent option.
In addition to its advantageous points-earning opportunities, the card offers solid statement credits and an exceptional welcome offer, all in exchange for a $375 annual fee (see rates and fees).
Are you eligible for this mid-level business card? Here’s what you need to know.
Amex Business Gold Welcome Offer
When you request the Amex Business GoldYou can learn about their offer and see if you’re eligible to receive up to 200,000 bonus points after you spend $15,000 on purchases during the first three months of card membership. Welcome offers vary and you may not be eligible to receive an offer.
From April 2026 from TPG ratings If you put Membership Rewards points at 2 points each, this bonus could be worth up to $4,000.
If you are eligible for the most valuable offer available, you could earn a substantial amount of points. You’ll also want to take this card’s high spending requirement into account when deciding if it’s right for you.
Remember that this card is subject to Amex conditions. once a lifetime rule. Therefore, you will only be eligible for a bonus if you have never had the card before.
Related: How to redeem Membership Rewards for maximum value
Amex Business Gold Benefits
Outstanding features of the Amex Business Gold Include your flexible earning rates and valuable business-related statement credits.
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Profit rates
With this card, you’ll earn 4 points per dollar spent on your top two spending categories each billing cycle (up to $150,000 each calendar year, then 1 point per dollar spent).
Amex will automatically determine your top two business expense categories each month using all posted account transactions that fall into the six categories:
- Monthly charges for wireless service made directly from a wireless service provider in the US.
- Purchases from US media providers for advertising in select media (online, radio, television)
- Transportation purchases, including buses, ferries, parking lots, ride-hailing services, subways, taxis, tolls, and trains.
- American purchases at gas stations
- American restaurant shopping, including takeout and delivery
- US purchases from electronics retailers and software and cloud system providers
Cardholders also earn 3 points for every dollar spent on booked prepaid flights and hotels at amextravel.com or on the Amex Travel App™.
Statement Credits
In addition to its business-friendly bonus categories, Amex Business Gold offers these benefits:
- Up to $240 in statement credits annually (up to $20 per month) for eligible US purchases at FedEx, Grubhub and office supply stores^
- Up to $155 in statement credits annually (up to $12.95 per month plus applicable taxes) for a monthly Walmart+ membership (subject to automatic renewal; Plus Ups not eligible)^
^Registration required.
If you can max out the card’s annual statement credits, these two benefits total $395, offsetting the card’s $375 annual fee.
Other benefits
Finally, Amex Business Gold comes with several additional benefits for cardholders to enjoy:
*Eligibility and level of benefits vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Policies are underwritten by New Hampshire Insurance Company, an AIG company.
**Eligibility and benefit level vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Policies are underwritten by AMEX Assurance Company.
***Eligibility and benefit level vary by card. Not all vehicle types or rentals are covered and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
Related: Is Amex Business Gold worth the annual fee?
In a nutshell
If you are a business owner and rely on Membership Rewards points, Amex Business Gold is a great option for you.
Between its solid benefits, high earning rates, and a potentially lucrative welcome offer, this card offers excellent value for those looking for a mid-tier business card. Plus, if you’re eligible for the highest offer available on the card, you can’t miss out.
For more information, read our Amex Business Gold Full Review.
Apply here: Amex Business Gold
For rates and fees for the Amex Business Gold Card, click here.
