American Express Business Gold
200,000 points welcome · 4x on top spend category · $375/yr
The Business Gold earns 4 points per dollar automatically in your top 2 spending categories each billing cycle from 6 eligible ones, including U.S. advertising, electronics retailers and software/cloud providers, restaurants, gas stations, transit, and wireless service, which suits businesses whose biggest costs shift month to month. That 4x applies on up to $150,000 a year combined before dropping to 1x, and flights and prepaid hotels booked through AmexTravel.com earn 3x. The $375 annual fee is substantial, and offsetting it depends on enrollment-required credits: up to $20 a month for Grubhub, office supply stores, and UPS shipping, $300 in ChatGPT credits, a monthly Walmart+ membership credit, and up to $150 back on Squarespace. Those add up to more than the fee on paper, but only if your business already uses those services. The welcome offer reaches as high as 200,000 Membership Rewards points after $15,000 in 3 months, though Amex notes your actual offer may be lower. It is a strong choice for a business with steady spend in its eligible categories, and an expensive one if the credits go unused.
Earn rates & credits
| Category | Rate |
|---|---|
Top 2 spend categories Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com. on first $150,000/yr, then 1x Eligible: Electronics Stores, Dining, Gas, Transit, Phone Services | 4x |
Travel (via Portal) Flights and prepaid hotels booked via AmexTravel.com | 3x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Business Statement Credits Up to $20/month in statement credits on eligible U.S. purchases at Grubhub, office supply stores, and shipments at UPS.com | $20 /mo |
ChatGPT Credits $300 in annual ChatGPT credits for AI-powered productivity tools | $300 /yr |
Walmart+ Credit Up to $12.95/month plus applicable taxes toward one monthly Walmart+ membership | $13 /mo |
Squarespace Credit Up to $150 back annually in statement credits for U.S. purchases with Squarespace. | $150 /yr |
The Hotel Collection Credit $100 credit toward eligible on-property charges plus a room upgrade when available on two-night minimum stays booked through AmexTravel.com. | $100 |
Cell Phone Protection Up to $800 per claim (two claims per 12 months, $50 deductible) to repair or replace a damaged or stolen cell phone when the prior month's wireless bill was paid with the card. | $800 |
| Total annual credits | $845 |
Card details
Regular APR | 17.74%–28.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
American Express Business GoldBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.