American Express® Business Gold Card American Express<sup>®</sup> Business Gold Card
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American Express® Business Gold Card Review

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Rating:
Bottom Line:
This card has a high annual fee, but includes a special subscription offer valued at $3,188, high reward earning potential and Gold Card benefits. Terms apply.

Full Review:
The American Express® Business Gold Card (a NextAdvisor advertiser) just got a major revamp. With an exciting special offer that includes valuable subscriptions and massive point-earning potential, the American Express® Business Gold Card is a great choice for those who have good credit, are able to pay off their balance in full each month, and don't mind paying an annual fee in exchange for top of the line rewards and benefits.

As a special intro offer, new cardholders will get up to a year-long subscription to G Suite Basic (a collection of Google apps) for 3 users and ZipRecruiter Standard — worth a combined value of $3,188. That's a premium nontraditional offer, but it's one that'll appeal to most businesses, especially those intending to grow in the next year or so. Where the American Express® Business Gold Card truly shines is in its simple and high-yield rewards. Cardholders will automatically earn 4X points per $1 spent on the 2 categories where their business spent the most each month (up to $150,000 in combined purchases) and 1X point per $1 spent on all other purchases. The available categories include (1) airfare purchased directly from airlines; (2) U.S. purchases for online, TV and radio advertising; (3) U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions; (4) U.S. purchases at gas stations; (5) U.S. purchases at restaurants; and (6) U.S. purchases for shipping.

Starting at 5,000 points, you can redeem your points for everyday business expenses, entertainment, dining, merchandise or travel. And if you use your points to book all or part of a flight through Amex Travel, you'll get 25% points back (up to 250,000 points back in a calendar year).

The American Express® Business Gold Card is a charge card, which means you need to pay the balance in full each month. However, the card also offers a Pay Over Time option that makes it more like credit cards with revolving credit. For payments over $100, cardholders can choose to carry the balance (up to your Pay Over Time limit) and pay a 16.24% - 24.24% Variable interest rate.

Prospective cardholders should keep in mind that the American Express® Business Gold Card has a pretty high annual fee of $295. However, with free employee cards with no annual fee, the valuable subscription bonus, a high rewards rate and a host of expense management tools and American Express perks, it could be well worth the fee.

Rewards Highlights From American Express
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
  • †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
  • Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
  • *Terms Apply

Redeem Rewards
  • Redeem points for everyday business expenses, travel, entertainment, dining, or merchandise.
  • Minimum redemption of 5,000 points.
  • There are a wide variety of additional benefits and services, including early access to preferred seating at sought-after events with the Gold Card Events program.

Fees and APR
  • Annual Fee: $295.
  • Purchase APR: 16.24% - 24.24% Variable.
  • Foreign Transaction Fee: None.
  • Returned Payment Fee: Up to $38.


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Card Details

Features:4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.* Terms apply.
Purchase APR:16.24% - 24.24% Variable
Annual Fee:$295
Credit Needed:Good, Excellent

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

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