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American Express® Business Gold Card

Welcome Offer

Information is Not Available

Bonus Value

$1,000 - $1,500

Credit Score Needed

Information is Not Available

Annual Fee

Information is Not Available

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Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.

Card Rewards

• 4X Points per dollar in your top two spending categories each billing cycle, which include: - Purchases at US media providers for advertising in select media (online, TV, radio) - U.S. purchases made from electronic goods retailers and software & cloud system providers - U.S. purchases at restaurants, including takeout and delivery - U.S. purchases at gas stations - Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways - Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. • You'll receive the 4X Points per dollar on the first $150,000 spent across these combined categories annually, 1X point thereafter. • 3X Points on flights & Pre-Paid hotels booked on AmexTravel.com • 1X Points on all other eligible purchases. (Terms and Limitations Apply)

Card Overview

The American Express® Business Gold Card is an excellent choice for business owners who want to maximize their rewards on common business spending categories. It is typically known for its rewards program, offering generous points on eligible purchases such as airfare, advertising, and gas stations. The best reason to get this card is the opportunity to earn substantial rewards on your everyday business expenses, helping you earn points that can be redeemed for travel, gift cards, or other valuable rewards. With its tailored rewards structure and additional business benefits, the American Express Business Gold Card is a valuable tool for optimizing your business expenses and earning rewards along the way.

Card Fees

Interest Rates (APR)

New: intro_apr_rate,intro_apr_duration ; after that, reg_apr,reg_apr_type

Penalty APR

29.99%

Card Benefits

Credits

• Free Walmart+ Membership with $12.95 monthly credit (subject to auto-renewal). Enrollment Required. • Earn up to $20 in statement credits each month for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Terms Apply. Enrollement Required. • $100 Statement credit on The Hotel Collection bookings booked through american express travel. Hotel collection requires a minimum 2-night stay. Terms Apply.

Purchase Protection

• Covers your new purchases for 90 days against damage or theft up to $1,000 per claim and $50,000 per account

Auto Rental Collision Insurance

• Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $50,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000.

Lost Luggage Reimbursement

• Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $500 per person for checked baggage. • Up to $1,250 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents.

Extended Warranty Protection

• Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card.

Trip Delay Insurance

• Claim up to $300 per ticket in the event of a 12+ hour flight delay, maximum 2 claims per year. • The compensation can be used to cover expenses like meals and lodging during the delay.

Cell Phone Protection

• Up to $800 per claim (with a $50 deductible), you can be reimbursed for cellphone damage or theft. • To activate coverage, simply pay your monthly cellphone bill with your credit card. • Enjoy the benefit of up to 2 claims per 12 month period.

Benefit Guide

For benefit guide to the American Express® Business Gold Card, click here

For rates and fees of the American Express® Business Gold Card, click here

Full Advertiser Disclosure

The Cards Guy partners with a variety of credit card issuers, and we may receive compensation when you are approved for a card through our links. This compensation may influence the placement of card offers on our site, but it does not affect the articles and information we provide, which remain independent. Please note that not all credit card offers available on the market are featured on our site. We maintain advertising relationships with major credit card companies such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, HSBC, and Wells Fargo, among others. While we strive to include a comprehensive selection, our listings may not represent every offer available from these or other issuers. The opinions expressed in our content are those of the author and are not provided, commissioned, or endorsed by any credit card issuer. Responses to content may also not be reviewed, approved, or otherwise endorsed by the issuer. We aim to provide accurate and up-to-date information, but we recommend you verify all details directly with the credit card issuer and consult with a financial professional before making any decisions. Thank you for choosing The Cards Guy for your credit card research and decisions.

Purchase protection: • Covers your new purchases for 90 days against damage or theft up to $1,000 per claim and $50,000 per account • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit http://americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Auto Rental Collision Insurance: • Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $50,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Lost Luggage Reimbursement: • Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $500 per person for checked baggage. • Up to $1,250 per person for carry-on baggage. • Maximum coverage of $10,000 per trip for NY residents. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Extended warranty protection: • Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Trip Delay Insurance: • Claim up to $300 per ticket in the event of a 12+ hour flight delay, maximum 2 claims per year. • The compensation can be used to cover expenses like meals and lodging during the delay. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.
Cell Phone Protection: • Up to $800 per claim (with a $50 deductible), you can be reimbursed for cellphone damage or theft. • To activate coverage, simply pay your monthly cellphone bill with your credit card. • Enjoy the benefit of up to 2 claims per 12 month period. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.