American Express Business Gold Card

Annual fee

$375

Welcome bonus

200,000 Membership Rewards pointsElevated offer

Foreign txn fee

Apply at American Express

(Direct link to issuer does not currently earn a commission on this card.)

The American Express Business Gold Card flexes to your spending: it pays 4X Membership Rewards points automatically on your top 2 spending categories each billing cycle - chosen from six (U.S. advertising, electronics/software & cloud, restaurants, gas, transit, and U.S. wireless) - on up to $150,000 of combined purchases a year, then 1X. At $375 it offsets the fee with a $240 annual flexible business credit (FedEx, Grubhub, office supply stores), a monthly Walmart+ credit, and no foreign transaction fees. Points transfer to Amex's travel partners, where the real value lives. Best for businesses whose spend concentrates in a couple of those categories.

Welcome bonus

What you get for signing up and hitting the minimum spend.

200,000 Membership Rewards points · $15,000 spend in 3mo

See the offer →

🕐 Limited-time offer

200,000 Membership Rewards points after spending $15,000 in the first 3 months.

Welcome offers vary by applicant. Current public high is as much as 200,000 Membership Rewards points after $15,000 in purchases in the first 3 months; many applicants see a lower targeted offer.

Earn rates

How many points per dollar across categories.

3 categories · top rate 4x

See the multipliers →

Card-level multipliers. Earn currency: American Express Membership Rewards.

Category	Rate	Notes
Top Categories	4x	4X on your top 2 eligible categories each billing cycle, from: U.S. advertising in select media, U.S. electronics/software & cloud, U.S. restaurants (incl. takeout & delivery), U.S. gas stations, transit, and monthly U.S. wireless. On up to $150,000 combined per calendar year, then 1X.
Travel	3x	3X on flights and prepaid hotels booked on AmexTravel.com.
All other purchases	1x	1X on all other eligible purchases.

Transfer partners

Where you can move your American Express Membership Rewards to airline + hotel programs.

20 partners

Meet the partners →

Points earned with this card transfer to 20 partner programs via American Express Membership Rewards.

To	Ratio	Notes
Aer Lingus AerClub	1:1	1,000 MR = 1,000 Avios
Aeromexico Rewards	1:1.6	1,000 MR = 1,600 AeroMexico Rewards points
Air Canada Aeroplan	1:1	1,000 MR = 1,000 Aeroplan points
ANA Mileage Club	1:1	1,000 MR = 1,000 ANA Mileage Club miles
Avianca LifeMiles	1:1	1,000 MR = 1,000 LifeMiles
Avios	1:1	1,000 MR = 1,000 Avios (The British Airways Club)
Cathay Pacific Asia Miles	1:0.8	1,000 MR = 800 Asia Miles
Delta SkyMiles	1:1	1,000 MR = 1,000 SkyMiles
Emirates Skywards	1:0.8	1,000 MR = 800 Skywards Miles
Etihad Guest	1:1	1,000 MR = 1,000 Etihad Guest miles
Flying Blue	1:1	1,000 MR = 1,000 Flying Blue miles (Air France-KLM)
Club Iberia Plus	1:1	1,000 MR = 1,000 Avios
JetBlue TrueBlue	250:200	250 MR = 200 TrueBlue points (5:4 ratio)
Qantas Frequent Flyer	1:1	500 MR = 500 Qantas Points
Qatar Privilege Club	1:1	1,000 MR = 1,000 Avios (Qatar Privilege Club)
Singapore KrisFlyer	1:1	1,000 MR = 1,000 KrisFlyer miles
Virgin Atlantic Flying Club	1:1	1,000 MR = 1,000 Virgin Points
Choice Privileges	1:1	1,000 MR = 1,000 Choice Privileges points
Hilton Honors	1:2	1,000 MR = 2,400 Hilton Honors points
Marriott Bonvoy	1:1	1,000 MR = 1,000 Marriott Bonvoy points

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

American Express Experiences

Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Travel credits

Annual travel-spend credits and portal incentives.

1 benefit

See the details →

The Hotel Collection Credit

$100 credit toward eligible charges on a 2-night minimum stay booked through The Hotel Collection on AmexTravel.com.

Statement credits

Bill credits and recurring perks that offset annual fees.

4 benefits

See the details →

$240 Flexible Business Credit

Up to $20 in monthly statement credits for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and office supply stores. Up to $240/year. Enrollment required.

Walmart+ Monthly Credit

Up to $12.95 plus tax in monthly statement credits to cover a Walmart+ membership (about $155/year).

$300 ChatGPT Business Credit

Up to $300 per calendar year in statement credits on U.S. purchases of ChatGPT Business made directly with OpenAI. Enrollment required.

$150 Squarespace Credit

Up to $150 per calendar year in statement credits on U.S. purchases made directly with Squarespace. Enrollment required.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

4 benefits

See the details →

Trip Delay Insurance

Up to $300 per trip when a round trip paid with the Card is delayed more than 12 hours (max 2 claims per 12 months).

Baggage Insurance Plan

Coverage for lost, damaged, or stolen baggage: up to $1,250 carry-on and up to $500 checked, in excess of the carrier's coverage.

Car Rental Loss and Damage Insurance

Secondary coverage for damage or theft of a rental vehicle when you pay with the Card and decline the counter CDW.

Global Assist Hotline

24/7 emergency medical, legal, and coordination assistance when traveling more than 100 miles from home.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

3 benefits

See the details →

Cell Phone Protection

Up to $800 per claim ($50 deductible, 2 claims/12 months) for damage or theft when you pay your prior month's wireless bill with the Card.

Purchase Protection

Covers eligible purchases against theft or accidental damage for up to 90 days, up to $1,000 per purchase and $50,000 per year.

Extended Warranty

Adds up to one extra year to eligible original manufacturer warranties of 5 years or less.

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

See the details →

Transfer to Travel Partners

Transfer Membership Rewards points to Amex airline and hotel transfer partners - the highest-value redemption.