American Express

American Express® Business Gold

Transfers to airlines & hotels

Annual fee

$375/yr

Welcome bonus

Up to 200,000 Membership Rewards® Points

Min spend

$15,000 in 3 months

Recommended credit

Good to Excellent (700+)

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Before you apply: American Express application and welcome-bonus rules →

Offer last verified June 17, 2026. How we verify.

Earning rates

4x Membership Rewards® points on your top 2 eligible categories each month (auto-selected)

Features & benefits

Eligible 4x categories: airfare, U.S. restaurants, U.S. gas stations, U.S. shipping, U.S. advertising

$240 flexible business credit ($20/month at select business vendors)

No preset spending limit, adapts to your spending patterns

Employee cards (up to 99) with customizable spend limits

Connect to QuickBooks for simplified expense management

No foreign transaction fees

Trip delay insurance and baggage insurance plan

Purchase protection and extended warranty

Car rental loss and damage insurance

Statement credits

$240 flexible business credit ($20/month at select vendors)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Marriott Bonvoy, Hilton Honors

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full American Express ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Business Gold lands.

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