American Express® Business Gold Card
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The American Express® Business Gold Card is designed to provide business owners with powerful rewards and flexible spending options. This card is tailored to help businesses maximize their rewards on key purchases, offering valuable benefits that can help streamline expenses and enhance overall financial management.
Key Features and Benefits
Annual Fee: $375
The annual fee reflects the card's premium benefits and rewards structure, designed to deliver significant value to business owners.Rewards Program:
4X Membership Rewards® Points: Earn 4X points on the 2 categories where your business spends the most each billing cycle from a list of 6 options, including U.S. purchases for advertising in select media, shipping, airfare purchased directly from airlines, and more (on up to $150,000 in combined purchases each year, then 1X).
3x Membership Rewards® Points: Earn 3X points on flights and prepaid hotels booked on AmexTravel.com.
1X Point: On all other purchases, giving you flexibility in earning rewards on everyday business expenses.
Earn up to $395 back in statement credits annually
On eligible purchases at select shipping, food delivery and retail subscription merchants.
(Terms and Restrictions Apply) Enrollment Required
$240 Flexible Business Credit‡
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
(Terms and Restrictions Apply)
$155 Walmart+ Membership Credit‡
Get up to a $12.95[1] statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.
[1]Up to $12.95 plus applicable taxes on one membership fee. Enrollment Required
(Terms and Restrictions Apply)
Flexible Spending and Payment Options:
No Pre-set Spending Limit: Your spending limit adjusts based on your purchase, payment, and credit history, offering flexibility for your business needs.
Pay Over Time Option: Choose to carry a balance with interest on eligible charges, giving you the flexibility to manage cash flow.
Business Insights and Tools:
Vendor Pay by Bill.com: Allows you to automate your vendor payments and manage your payables more efficiently.
Connect to QuickBooks®: Automatically categorize and transfer transaction data to QuickBooks, simplifying your bookkeeping process.
Welcome Offer:
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your card in the first 3 months of card membership. This offer provides a substantial boost to your rewards balance early on. Offers may vary.
Terms and Restrictions Apply
Travel Perks:
No Foreign Transaction Fees: Ideal for businesses with international dealings, ensuring you don’t incur extra charges on overseas purchases. Rates and Fees; Terms Apply
The Hotel Collection: Enjoy benefits like room upgrades (when available) and a $100 experience credit when booking stays through Amex Travel. Minimum two-night stay required.
Baggage Insurance Plan: Offers coverage on eligible lost, damaged, or stolen baggage when traveling. Insurance Benefits
Additional Benefits:
Purchase Protection and Extended Warranty: Safeguard your business purchases with coverage against damage or theft. Protection Benefits
Employee Cards: Add employee cards at no additional cost, with customizable spending limits to help manage expenses across your team.
Opinion
The American Express® Business Gold Card is a powerful tool for business owners looking to optimize their spending and earn substantial rewards. The 4X points on the two highest spending categories each billing cycle is particularly beneficial, allowing businesses to maximize rewards in the areas where they spend the most. This flexibility is key, as it adapts to the unique spending patterns of different businesses.
The card's additional benefits, such as no foreign transaction fees and travel perks, make it appealing for businesses with international operations or frequent travel needs.
While the annual fee of $375 may seem high, the rewards potential, combined with the card’s business-focused tools and travel benefits, can easily justify the cost for businesses that can fully utilize these features. If you’re a business owner looking to streamline expenses, earn valuable rewards, and enjoy flexibility in managing your spending, the Amex Business Gold Card is a top-tier option worth considering.
