Business Gold
Issued by American Express
Rates verified August 2026
Welcome Bonus
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
Rewards Rate
1x points · up to 4x on Advertisements
Annual Fee
$375
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x points · up to 4x on Advertisements
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
Annual Fee
$375
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Advertisements, Cloud Providers, Dining, Electronic Stores
Why We Recommend This Card
4.0% on Advertisements
4.0% on Cloud Providers
4.0% on Dining
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
$150 Squarespace Annual Credit
Showcase your business. Create a customizable website or online store with an all-in-one solution from Squarespace. Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.
$155 Walmart+ Credit
Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.
$240 Flexible Business Credit
Get more for your business purchases. Earn up to $20 in statement credits each month 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.
$300 ChatGPT Business Credit
Card Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions
Baggage Insurance Plan
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
Car Rental Loss and Damage Insurance
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Cell Phone Protection
You can be reimbursed, the lesser of, your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account.
Extended Warranty
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Global Assist® Hotline
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
The Hotel Collection
Book The Hotel Collection with American Express Travel and get the following benefits at participating properties when you stay at least two consecutive nights: $100 experience credit, to spend on qualifying dining, spa and resort activities. Qualifying activities vary by property Room upgrade upon check-in only, when available. Certain room categories are not eligible for upgrade.
Network benefits (American Express) — 2 standard protections
Purchase Protection
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Trip Delay Insurance
Trip Delayed? If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help.
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