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American Express® Business Gold Card Review: A Premium Card for Growing Businesses
February 6, 2025

What Is the American Express Business Gold Card?
The American Express® Business Gold Card is a premium business credit card designed for growing companies that need flexibility in their spending categories. This card stands out for its ability to automatically reward your top spending categories each billing cycle, offering 4X Membership Rewards® points in your two highest-spend categories from a list of six business-focused options.
With a significant welcome bonus and no preset spending limit, the Business Gold Card aims to support business owners who have variable monthly expenses and want to earn valuable rewards on their most common business purchases.
American Express Business Gold Card Pros & Cons
Pros:
- Automatically earn 4X points in your top two spending categories each billing cycle
- No preset spending limit, offering flexibility for growing businesses
- Comprehensive travel and purchase protections
- Valuable welcome bonus opportunity
- Access to The Hotel Collection, offering room upgrades and property credits
- No foreign transaction fees
Cons:
- High annual fee ($375, rates & fees)
- Limited airport lounge access compared to premium competitors
- Must spend significantly in bonus categories to offset the annual fee
- Employee cards incur additional fees
Who Is the American Express Business Gold Card For?
The American Express Business Gold Card is ideally suited for:
- Business owners with $50,000+ in annual business spending
- Companies with variable expenses across multiple categories
- Entrepreneurs who value flexible rewards earning
- Businesses that frequently travel for work
- Organizations that can maximize the 4X points categories
- Those who appreciate premium travel benefits and protections
Comparing the American Express Business Gold Card With Other Credit Cards
When considering the American Express Business Gold Card, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business:
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more
- Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members.
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. 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.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- American Express Business Gold Card excels in rewarding your top spending categories each billing cycle
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
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Our Expert Takeaway
The American Express Business Gold Card offers a compelling value proposition for businesses that can maximize its flexible rewards structure and justify the annual fee. While the card comes with a significant annual fee of $375, the potential to earn 4X points in your top two spending categories each billing cycle can provide substantial value for businesses with high monthly expenses.
The automatic category optimization, combined with comprehensive travel and purchase protections, makes this card a strong contender for growing businesses that want to earn valuable rewards while maintaining spending flexibility.
American Express Business Gold Card FAQ
What are the 4X points categories?
You'll earn 4X points on up to $150,000 in combined purchases annually in two categories where your business spent the most each billing cycle: airfare purchased directly from airlines, U.S. advertising purchases, U.S. gas stations, U.S. restaurants, U.S. shipping, and select U.S. technology providers.
How much is the welcome bonus?
The current welcome bonus offer may vary. Please check the American Express website for the most up-to-date offer details.
Are employee cards free?
No, additional employee cards incur a fee. Contact American Express for current employee card pricing.
Is there a foreign transaction fee?
No, the American Express Business Gold Card does not charge foreign transaction fees.
What's the credit limit?
The card has no preset spending limit, but this doesn't mean unlimited spending. Your purchasing power adjusts with your use of the card, payment history, credit record, and other factors.
Can I transfer Membership Rewards points to travel partners?
Yes, points can be transferred to various airline and hotel partners, often providing excellent value for travel redemptions.
Does the card offer purchase protection?
Yes, the card includes purchase protection, extended warranty, and return protection benefits. Terms and conditions apply.
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. 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.
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Editorial Disclosure: Opinions expressed here are those of Kudos 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.