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Card reviewAmerican Express
Updated Aug 13, 2026 · research
American ExpressMembership Rewards
American Express Business Gold Card
A business card designed to reward your business spend with Membership Rewards.
PremiumBusiness
American Express
$375
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
Pros & Cons
Pros
- Earns 4X Membership Rewards points in the top two eligible business spending categories each billing cycle.
- Earns 3X points on eligible flights and prepaid hotels booked through AmexTravel.com.
- Includes up to $845 in stated annual business value through select credits and benefits.
- Has no foreign transaction fees.
- Includes Cell Phone Protection, Purchase Protection, and Extended Warranty coverage.
Cons
- The card has a $375 annual fee, with no first-year waiver stated.
- Only the two eligible categories where the business spends the most each billing cycle earn 4X points.
- The 4X rate applies only to the first $150,000 in combined eligible-category purchases each calendar year, then those purchases earn 1X.
- Several statement-credit benefits require enrollment and have merchant-specific terms.
Key Takeaways
- The card has a $375 annual fee.
- It earns 4X points in the top two eligible categories each billing cycle, up to $150,000 in combined eligible-category purchases per calendar year.
- Eligible flights and prepaid hotels booked through AmexTravel.com earn 3X points.
- The listed business credits and benefits provide up to $845 in stated annual business value.
- There are no foreign transaction fees.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $375 |
Frequently Asked Questions
What is the annual fee for the American Express® Business Gold Card?
The American Express® Business Gold Card has a $375 annual fee. The supplied data does not state that the fee is waived in the first year.
How does the 4X rewards rate work?
The card earns 4X Membership Rewards points on the business's top two eligible categories each billing cycle. Eligible categories include U.S. media advertising providers, U.S. electronic goods retailers and software and cloud system providers, U.S. restaurants, U.S. gas stations, transit, and monthly U.S. wireless telephone service charges.
Is there a cap on 4X points?
The 4X rate applies to the first $150,000 in combined eligible-category purchases each calendar year. Eligible-category purchases earn 1X points after that limit, and only the top two eligible categories each billing cycle qualify for 4X.
Does the card earn bonus points on travel?
The card earns 3X Membership Rewards points on eligible flights and prepaid hotels booked through AmexTravel.com. Other eligible purchases earn 1X points.
What statement credits come with the card?
The listed credits include up to $240 annually at eligible FedEx, Grubhub, and office supply store purchases, up to $300 per calendar year for eligible ChatGPT Business subscriptions, up to $150 per calendar year with Squarespace, and a monthly Walmart+ membership credit of up to $12.95 plus applicable taxes. Enrollment is required for the Flexible Business Credit, ChatGPT Business Credit, and Squarespace Credit.
Does the card charge foreign transaction fees?
American Express does not charge a foreign transaction fee on purchases made outside the United States with this card. ATMs or merchants may independently charge fees on foreign transactions.
Does the card include cell phone protection?
When the prior month's wireless bill is paid with an eligible card account, Cell Phone Protection can reimburse the lesser of repair or replacement costs up to $800 per approved claim. Coverage is limited to two approved claims per 12-month period and has a $50 deductible per claim.
Card Questions & Answers
Source-backed guidance for the most common questions about this card.
Based on the latest staged extraction results, American Express Business Gold Card, American Express® Business Gold Card, American Express® Gold Card, Blue Cash Everyday® Card from American Express, Blue Cash Preferred® Card from American Express, and Delta SkyMiles® Gold American Express Card currently list $240 Flexible Business Credit.
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About This Card
This card is best for businesses that can concentrate spending in two of its eligible 4X categories each billing cycle. It may also fit businesses that use AmexTravel.com and can use the listed business statement credits.
The American Express® Business Gold Card is a premium business charge card that earns Membership Rewards points. It earns 4X points on the business's top two eligible categories each billing cycle, on the first $150,000 in combined eligible-category purchases each calendar year, then 1X. It also earns 3X points on eligible flights and prepaid hotels booked through AmexTravel.com and 1X on other eligible purchases. The card has a $375 annual fee and includes select business credits, travel benefits, and purchase protections.
Its key distinction is 4X Membership Rewards points in the business's top two eligible spending categories each billing cycle, on up to $150,000 in combined eligible-category purchases per calendar year.
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Apply for the American Express Business Gold Card
Current offer available with a $375 annual fee.
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