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.
Earn 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).
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
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
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:
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.
