American Express Business Gold Card
A flexible business rewards card that automatically earns 4x Membership Rewards on your top two spending categories each month, with annual statement credits to help offset the fee.
Why it ranks
- Adaptive 4x categories
- No foreign transaction fee
- Transferable points
What holds it back
- High annual fee
- Credits require specific merchants
- Requires a business
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A flexible business rewards card that automatically earns 4x Membership Rewards on your top two spending categories each month, with annual statement credits to help offset the fee.
American Express Business Gold Card at a glance
| Issuer | American Express |
| Card network | Amex |
| Annual fee | $375 |
| Welcome bonus | Large Membership Rewards welcome offer after the minimum spend |
| Rewards rate | 4x Membership Rewards on the 2 categories where you spend the most each billing cycle (first $150,000/yr combined), 1x on other purchases |
| Intro APR | None |
| Regular APR | See terms (Pay Over Time) |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | Businesses with concentrated, variable spending |
| Airport lounge access | No |
Rewards & benefits
- 4x automatically applies to your top two categories
- Up to $395 in annual statement credits (FedEx, Grubhub, office supplies, Walmart+)
- Transferable Membership Rewards points
Eligibility & who it suits
- A legitimate business or side venture
- Good-to-excellent personal credit
- Welcome offer subject to Amex eligibility rules
How to apply
Check current rates on American Express’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AEAmerican ExpressBusiness Gold$375/yr · US American Express Business Gold CardBusinesses with concentrated, variable spending |
$375/yr | 4x Membership Rewards on the 2 categories where you spend the most each billing… | Large Membership Rewards welcome offer after the minimum spe… | None | Good to Excellent (700+) | |
| 2 | CChaseInk Business Preferred$95/yr · US Ink Business Preferred Credit CardSmall businesses with travel and advertising spend |
$95/yr | 3x on travel, shipping, internet/cable/phone and advertising on social media & s… | Large Ultimate Rewards points bonus after the minimum spend | None | Good to Excellent (700+) | |
| 3 | CChaseInk Business UnlimitedNo annual fee · US Ink Business Unlimited Credit CardBusinesses wanting simple flat-rate cash back |
None | Unlimited 1.5% cash back on all business purchases | Cash back bonus after meeting the minimum spend | 3% | Good to Excellent (700+) | |
| 4 | CChaseInk Business CashNo annual fee · US Ink Business Cash Credit CardBusinesses with office supply and telecom spending |
None | 5% at office supply stores and on internet/cable/phone (first $25,000/yr combine… | Cash back bonus after meeting the minimum spend | 3% | Good to Excellent (700+) |
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