Business Gold Card

Sign-up bonuses

• AS HIGH AS 200,000 Membership Rewards Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards

• 4X POINTS On Your Top 2 Eligible Categories Each Month 4X points are earned on the first $150,000 in combined purchases each calendar year. Continue reading for category details.
• 3X POINTS On Flights & Pre-Paid Hotels Booked on AmexTravel.com.
• 1X POINTS On All Other Eligible Purchases Made using the Business Gold Card.

Other features

• $240 Flexible Business Credit: Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• $300 ChatGPT Business Credit: Get up to $300 back in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions on the Business Gold Card. Enrollment required. Subject to auto-renewal.
• $150 Squarespace Credit: Enroll and get up to $150 back each calendar year on U.S. purchases with Squarespace on the Business Gold Card. Subscription purchases subject to auto-renewal.
• $155 Walmart+ Credit: Use your Business Gold Card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes (excluding Plus Ups) back each month.
• Card Design Choice: When you apply for the Business Gold Card you have the option to choose your Card's design. Choose either the Gold, Rose Gold or White Gold design when applying for the Business Gold Card.
• No Preset Spending Limit can give you flexibility in ways traditional credit cards don't. The amount you can spend adapts based on factors such as your purchase, payment, and credit history. Rather than having a set limit, you could grow your purchasing power the more you consistently use your Card and regularly make payments.
• Pay Over Time: You decide what's best for your business - pay in full when it makes sense, or pay over time to help manage your cash flow. Eligible charges are automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. You can choose to pay for those charges over time with interest. Any charge - or portion of a charge - not added to your Pay Over Time balance must be paid in full each month.
• No Foreign Transaction Fees: Do business globally and pay no foreign transaction fees on your purchases.
• The Hotel Collection: With The Hotel Collection, receive a suite of benefits with an average total value of $150 at over 1,300 hotels when you book a minimum two-night stay through AmexTravel.com.
• $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on property charges.
• Room upgrade upon arrival, when available.
• Global Assist Hotline: Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Global Assist does not provide the services but assists with coordinating the services. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
• Employee Cards: Earn Membership Rewards points. Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits you set. You can earn Membership Rewards points on their purchases, and receive real-time alerts to help you know who's spending and where.
• Connect to QuickBooks can help you manage your employee Business Card expenses easily. Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your QuickBooks every day, so you can manage their expenses right from your QuickBooks. Enrollment required.
• Account Manager: Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Business Expense Cards.
• Year-End Summary: Organizing your finances can be a time-consuming task. That's why we provide a Year-End Summary of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel.
• Online Statements: View your purchase history, prepare reports, and budget your expenses.
• American Express App: Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real time with the American Express App.
• Vendor Pay by BILL: With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users.
• Cell Phone Protection: You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone up to $800 per claim with a limit of two approved claims per 12-month period, subject to a $50 deductible per claim, when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply.
• Dispute Resolution: If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
• Extended Warranty: With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
• Purchase Protection: When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
• Baggage Insurance Plan: Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
• Car Rental Loss and Damage Insurance: As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.

Additional Notes

Call to apply 1-888-781-6736