Credit Cards (US)

American Express® Business Gold Card full review: earn rewards for flights!

Are you looking for a business card with select rewards? If so, read our American Express® Business Gold Card review to learn more about this great card!

by Victória Lourenço

09/07/2022 | Updated on 03/30/2023

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

Partner Offer through CreditCards.com

American Express® Business Gold Card: get points for select business purchases!

This is the American Express Business Gold credit card. Source: The Mister Finance.
This is the American Express Business Gold credit card. Source: The Mister Finance.

Are you looking for an Amex business card with some great perks? If so, you’ll love our American Express® Business Gold Card review!

This card comes with rewards points for travel and business categories! Read on to learn more!

Credit ScoreExcellent.
APR18.99% – 26.99% variable.
Rates & Fees
Annual Fee$295.
Rates & Fees
FeesNo foreign transaction fees;
Late Payment Fee: $39 or 2.99% (valid for the late payment in full amount and whichever is greater);
Returned Payment: $39.
Rates & Fees
Welcome bonus*With the current offer, you can earn 70,000 Membership Rewards® Points (valid after you spend $10,000 on qualifying purchases in the first 3 months using your card).
*Terms Apply.
Rewards*4X points on Top 2 Business Categories (valid for the categories where your business spent the most on every cycle;
1X points on other eligible purchases;
*Terms Apply.
American express business gold

How to apply: American Express® Business Gold card

Do you have a business? If so, you should know that if you apply for an American Express® Business Gold Card, you can earn select perks!

If you have a business and are looking for an incredible credit card to help you earn more with your purchases, an Amex card can be the solution!

The American Express® Business Gold Card offers points for business categories and other select purchases. Moreover, you can get airline bonuses on eligible Amex flights! So, read on to learn more about this card!

How does the American Express® Business Gold Card work?

With this Amex business card, you can earn incredible perks related to select business categories. Plus, you can even get travel business benefits!

Also, you shouldn’t have to worry about fees when you need to make foreign transactions. That’s why the American Express® Business Gold Card doesn’t charge any foreign transaction fees.

American Express® Business Gold Card benefits

You'll get access to excellent travel benefits with this golden card. Source: Adobe Stock.
You’ll get access to excellent travel benefits with this golden card. Source: Adobe Stock.

As we mentioned, this card can give you many perks related to travel and business purchases. Plus, you can get access to purchase protection, an extended warranty, and more!

You can even have exclusive customer service 24/7! However, you also need to be an American Express® Card Member to have access to these other perks! So, read on to learn about this card’s pros and cons!

Pros

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

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Cons

  • You’ll need a relatively high score to qualify;
  • There is a high annual fee.

How good does your credit score need to be?

As this is an Amex credit card, you’ll need at least an excellent credit score to try to qualify for it. Also, you need to be careful to have a more than excellent score because the application process could harm it!

How to apply for the American Express® Business Gold Card?

You can easily apply for this Amex card. However, you first need to meet some requirements, and keep in mind that you’ll need excellent credit to qualify!

American express business gold

How to apply: American Express® Business Gold card

Do you have a business? If so, you should know that if you apply for an American Express® Business Gold Card, you can earn select perks!

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

Partner Offer through CreditCards.com

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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