American Express
American Express® Business Gold Card
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+)
Rates and offer last verified June 5, 2026.
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)
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 Card lands.
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