American Express Business Gold

Earning Rates

Key Benefits

• 4x top categories
• $240 business credit
• 100k MR bonus
• Flexible categories

All Benefits

• 4X Membership Rewards points on the 2 categories where your business spent the most each billing cycle, chosen automatically from 5 eligible categories
• 4X eligible categories: Purchases at U.S. media providers for advertising in select media (online, TV, radio); transit purchases including trains, taxicabs, rideshare, ferries, tolls, parking, buses, and subways; U.S. purchases at gas stations; U.S. purchases at restaurants (including takeout and delivery); U.S. purchases from electronic goods retailers and software & cloud system providers
• 4X earning capped at the first $150,000 in combined purchases across the top 2 categories each calendar year; 1X point per dollar thereafter
• 3X Membership Rewards points on flights and prepaid hotels booked at AmexTravel.com
• 1X Membership Rewards point on all other eligible purchases
• Welcome offer: 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months (current public offer; targeted offers range from 70,000 up to 200,000 per UpgradedPoints review)
• Up to $20 per month ($240/year) in statement credits at FedEx (through 10/01/2026), Grubhub, and U.S. Office Supply Stores; enrollment required
• Up to $150 per calendar year in statement credits on U.S. purchases with Squarespace; enrollment required
• Up to $300 per calendar year in statement credits on U.S. purchases of ChatGPT Business subscriptions; enrollment required, subject to auto-renewal
• Up to $12.95 plus applicable taxes per month in statement credits for a Walmart+ monthly membership (Plus Up purchases not eligible); enrollment required, subject to auto-renewal
• Membership Rewards points transfer to 17+ airline partners (Delta, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways Avios, Air France/KLM Flying Blue, Emirates, Etihad, Iberia, JetBlue, Singapore KrisFlyer, Virgin Atlantic, etc.) and 3 hotel partners (Hilton Honors, Marriott Bonvoy, Choice Privileges)
• Pay Over Time / Flexible Payment Option: choose to pay eligible purchases of $100+ over time with interest, or pay in full each month; available on the Business Gold Card
• Car Rental Loss and Damage Insurance (secondary in the U.S., primary outside the U.S.) when you reserve and pay with the card and decline the rental company's collision damage waiver; terms apply
• Global Assist Hotline: 24/7 medical, legal, financial, and other emergency coordination and referral services when traveling more than 100 miles from home (third-party costs are cardholder's responsibility)
• Purchase Protection on eligible new purchases against accidental damage or theft for up to 90 days from the date of purchase, up to $10,000 per occurrence and $50,000 per calendar year; terms apply
• Extended Warranty up to 1 additional year on eligible warranties of 5 years or less, up to $10,000 per item and $50,000 per cardmember account per calendar year; terms apply
• Baggage Insurance Plan: coverage for lost, damaged, or stolen carry-on and checked baggage when the full fare is charged to the card; terms apply
• No foreign transaction fees on purchases made outside the U.S.
• Add up to 99 Employee Cards at no additional annual fee; earn Membership Rewards on employee spending and set individual spending limits and real-time Merchant Category Alerts
• American Express Expense Management Tools: connect with QuickBooks, download data into Excel, and access Year-End Summary of charges organized by category for tax/expense tracking
• Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the card
• Not Offered: no Centurion Lounge, Delta Sky Club, or other airline-lounge access (that's on Business Platinum)
• Not Offered: no Priority Pass Select membership (Business Platinum benefit)
• Not Offered: no $200 airline incidental fee credit (Business Platinum benefit)
• Not Offered: no Marriott Bonvoy Gold or Hilton Honors Gold elite status (Business Platinum benefit)
• Not Offered: no Global Entry / TSA PreCheck application fee credit (Business Platinum benefit)
• Not Offered: no Fine Hotels + Resorts or The Hotel Collection booking benefits (Business Platinum / personal Platinum/Gold benefit)
• Not Offered: no cell phone protection (offered on some Chase, Wells Fargo, and U.S. Bank business cards but not on Amex Business Gold)
• Not Offered: no trip cancellation/interruption insurance and no trip delay insurance (offered on Business Platinum, not on Business Gold)

Amex Membership Rewards points transfer to these loyalty programs:

Delta SkyMiles

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Air France/KLM Flying Blue

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British Airways Avios

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Singapore KrisFlyer

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ANA Mileage Club

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Air Canada Aeroplan

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Emirates Skywards

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Avianca LifeMiles

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Hilton Honors

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Marriott Bonvoy

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