American Express Business Gold
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 100,000 Membership Rewards bonus points after spending $15,000 in eligible purchases within the first 3 months of Card Membership (~$2,000 at 2¢/point transfer-partner valuations; current standard public offer, occasionally as low as 35,000-70,000 or as high as 150,000-200,000 via targeted links).
Benefits and fees last verified Jun 2026against the issuer's published terms.
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
Earning Rates
At a glance
- 4x top categories
- $240 business credit
- 100k MR bonus
- Flexible categories
Important considerations
- Annual fee to offset
This card carries a $375 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $15,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
4- 4x
4X Membership Rewards points on the 2 categories where your business spent the most each billing cycle, chosen automatically from 5 eligible categories
- 4x
4X earning capped at the first $150,000 in combined purchases across the top 2 categories each calendar year; 1X point per dollar thereafter
- 3xlodging
3X Membership Rewards points on flights and prepaid hotels booked at AmexTravel.com
- 1xeverything else
1X Membership Rewards point on all other eligible purchases
Statement credits
6- $240Flexible Business CreditMonthly
$20 monthly credit at FedEx, Grubhub, and Office Supply stores
- $155Walmart+ CreditMonthly
Monthly statement credit covering Walmart+ membership
- $20Up to $20 per month ($240/year) in statement credits at FedEx (through 10/01/2026), Grubhub, and U.S. Office Supply Stores; enrollment required
- $150Up to $150 per calendar year in statement credits on U
Up to $150 per calendar year in statement credits on U.S. purchases with Squarespace; enrollment required
- $12Up to $12
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
- Amex Offers
Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the card
Perks & memberships
3- Payment flexibilityPay 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
- No foreign feesNo foreign transaction fees on purchases made outside the U.S.
- Authorized usersAdd 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
Travel & purchase protections
5- 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
More benefits & fine print (1)ShowHide
- 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
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (2 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $15,000 in the first 3 months to earn the 100,000 Membership Rewards points bonus.
See the Current Offer
Earn 100,000 Membership Rewards points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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