American Express® Business Gold Card
The Business Gold Card adapts to your ledger: each billing cycle it applies 4X points to your top two of six eligible categories, from advertising to U.S. restaurants and gas stations, on up to $150,000 in combined purchases per calendar year. Credits for Walmart+, ChatGPT Business, Squarespace and a flexible FedEx, Grubhub and office supply credit can offset much of the $375 fee. Businesses with concentrated, shifting spend get the most from it.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4X points on your top two eligible categories, applied automatically each billing cycle
- $150,000 per calendar year of combined 4X earning headroom
- 3X points on flights and prepaid hotels booked through AmexTravel.com
- Up to $240 in flexible business credits for FedEx, Grubhub and office supplies per year
- Up to $300 in ChatGPT Business and up to $150 in Squarespace credits per year
- Up to $155 in Walmart+ membership credits per year
- No foreign transaction fees
- Annual fee: $375
- Pay Over Time APR: 17.74% - 28.49% Variable
- Intro APR: N/A, this is a pay-in-full charge card with Pay Over Time on eligible charges
- Balance transfers: not offered on this card
- Cash advances: not offered on this card
- Late payment fee: $39 or 2.99% of any past due Pay In Full amount, whichever is greater
- Returned payment fee: $39
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business spend concentrates in categories like advertising, software, restaurants or gas, and shifts month to month
- You want 4X earning without managing category choices yourself
- Your team already pays for ChatGPT Business, Squarespace, Walmart+ or FedEx, so the credits land automatically
- You should skip it if your spending is thin or evenly spread, a flat-rate card like the Blue Business Plus earns more with no fee
American Express® Business Gold Card Review
The Business Gold Card removes the category-picking chore: it watches where your business spends and applies 4X to your top two categories automatically each billing cycle. At $375 per year, it competes on adaptability and software credits rather than price. This review weighs it for businesses with concentrated spend.
How You Earn
The card ranks your six eligible categories each billing cycle and pays 4X on the top two, no selection needed.
- 4X applies to the first $150,000 in combined eligible purchases per calendar year, then 1X
- Eligible categories are U.S.-based except where noted
| Category | Earn rate |
|---|---|
| Top two eligible categories each billing cycle | 4X |
| Flights and prepaid hotels via AmexTravel.com | 3X |
| All other eligible purchases | 1X |
How You Redeem
Points pool in Membership Rewards alongside any other Amex business cards you hold.
- Transfer to airline and hotel partners
- Book travel through AmexTravel.com
- Cover card charges at lower value
Benefits and Protections
The credit stack targets business software and shipping rather than travel perks.
- Up to $240 flexible business credit: FedEx, Grubhub, office supplies
- Up to $300 ChatGPT Business, up to $150 Squarespace, up to $155 Walmart+ credits
- Pay Over Time on eligible charges for cash flow flexibility
- Standard American Express purchase protections
Who This Card Is For
Businesses spending five figures a month in a few concentrated categories. The automatic 4X does the optimizing. Even spenders and very small operations do better on a no-fee flat-rate card.
- Agencies and advertisers with big ad spend
- Restaurants-and-transit heavy operations
- Teams already buying the credited software
Comparison
| Feature | American Express® Business Gold Card | U.S. Bank Business Leverage® Card | Citi® / AAdvantage Business™ Card |
|---|---|---|---|
| Annual Fee | $375 | $0 intro for the first year, then $95 | $0 intro for the first year, then $99 |
| Welcome Offer | As high as 200,000 pts, $15,000 in 3 mo | Up to $600 after $6,000 in 120 days | 65,000 miles after $4,000 in 4 mo |
| Rewards Rate | 4X top two categories, $150,000 per yr cap | 2X top two categories automatically | 2X American Airlines and select categories |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | See issuer terms | None |
| Best For | High concentrated spend | Low-fee adaptive earning | American Airlines flyers |
Issuer Comparison
| Feature | American Express® Business Gold Card | The Business Platinum Card® | The Blue Business® Plus Card |
|---|---|---|---|
| Annual Fee | $375 | $895 | $0 |
| Welcome Offer | As high as 200,000 pts, $15,000 in 3 mo | As high as 300,000 pts, $20,000 in 3 mo | 15,000 pts after $3,000 in 3 mo |
| Rewards Rate | 4X top two categories, capped | 5X Amex Travel flights and hotels | 2X on everything up to $50,000 per yr |
| Key Credits | ChatGPT, Squarespace, Walmart+, FedEx | Dell, ChatGPT, Adobe, Indeed, hotel, airline | None |
| Best For | Concentrated category spend | Business travelers | No-fee everyday earning |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.