Deep Dive Into the American Express® Business Gold Card
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EDITORIAL DISCLOSURE:
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
*Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.The American Express® Business Gold Card is a popular card option for frequent travelers, small business owners, and anyone looking to rack up Membership Rewards® points!
🌟Before applying, make sure to check out the perks, bonus spending categories, and important eligibility guidelines for American Express cards.
American Express® Business Gold Card
*All information about the American Express® Business Gold Card has been collected independently by Packed with Points. The card details on this page have not been reviewed or provided by the card issuer.
Welcome offer
🔥 New elevated offer! Earn as high as 200,000 Membership Rewards® Points after spending $15,000 in purchases on your card in the first 3 months. This is one where the welcome offer will vary and you can apply to find out your offer. If you don’t want the offer you received, you can cancel the application with no hard credit pull!
Annual fee: $375 (rates & fees)
Credits and perks
Up to $240 per calendar year (up to $20 a month in statement credits) for eligible U.S. purchases at FedEx, Grubhub and office supply stores
Up to $155 back per calendar year (up to $12.95 a month in statement credits) for a Walmart+ membership (subject to auto-renewal; excluding Plus Ups)
Travel protections like lost baggage reimbursement*, rental car theft or damage insurance**, and global assist hotline.
Cellphone protection
No foreign transaction fees (rates & fees)
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
Earning rates
Earn 4 points per dollar spent in two of the following categories where you spend the most per calendar year:
U.S. gas stations
U.S. restaurants (including takeout and delivery)
Advertising in select media from U.S. media providers
Transit
U.S. electronic goods retailers and software and cloud system providers
U.S. wireless telephone services
Earn 3 points per dollar spent on flights and prepaid hotel bookings made through Amex Travel
Earn 1 point per dollar spent on all other purchases
For me, the 4x per dollar on those top two categories is one of the best perks of this card. I can easily maximize this spending opportunity with purchases at gas stations and restaurants! ⛽️🛒
Lifetime language
Many American Express cards have “lifetime language” on their cards, meaning that you are only eligible to earn the welcome offer on the card once per lifetime. But here’s a few key things know:
🌟You CAN find applications that do not included lifetime language, which means you have a better chance of earning the welcome offer on that card a second time.
📆“Lifetime” generally means about seven years as many data points have shown for those who have been able to eventually earn the welcome offer on a card the second time.
Card eligibility and application tips
When applying for an American Express credit card, they make it very easy to determine if you are eligible for the welcome offer on the card BEFORE completing the application.
You are able to fill out the application, submit for a preliminary review, and within a few seconds you will have a pop up to let you know if you are not eligible for the welcome offer on that card. At that time, you can opt to cancel the application with no hard credit pull! 👏🏻
Earning Membership Rewards®
The best perk of this card is the valuable rewards that you rack up with each swipe. And these Membership Rewards points can be used SO many ways.
Whether you’re looking to book travel in the bank travel portal, or maximize your points value by transferring out to a travel partner, these are definitely points you want to be earning!
Transfer partners (my favorite way to use these points!)
Airlines:
Aer Lingus
AeroMexico
Air Canada Aeroplan
ANA Mileage Club
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific
Delta Airlines
Emirates Skywards
Etihad Guest
Flying Blue (Air France and KLM)
Iberia Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
Virgin Atlantic Flying Club
Hotels:
Choice Privileges
Hilton Honors
Marriott Bonvoy
➡️RELATED: How I’m Using My 5 Favorite American Express Transfer Partners
So is this card right for you?
The American Express® Business Gold Card is a fantastic starter business card with easy to use benefits and huge earning potential to easily offset the cost of the annual fee. It’s a card I have had in my wallet for years and I plan on keeping it. Combined with the fantastic welcome offer, it makes this card a top recommendation for most.
EDITORIAL DISCLOSURE: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
