American Express Business Gold
200,000 points welcome · 4x on top spend category · $375/yr
The Business Gold's core strength is 4 Membership Rewards points per dollar automatically applied to your top two spending categories each billing cycle from six eligible business categories, including advertising, restaurants, gas, transit, and wireless phone service, on up to $150,000 in combined annual spending before the rate drops to 1x. Flights and prepaid hotels on AmexTravel.com earn 3x, and the welcome offer is advertised at as high as 200,000 points after $15,000 in spending in the first three months, though your actual offer may be lower. The $375 annual fee is the catch. A stack of enrollment-required credits can offset it, including up to $240 a year at Grubhub, office supply stores, and UPS, $300 in ChatGPT credits, a Walmart+ membership credit, and $150 for Squarespace, but they only count if those are services your business already uses. Everything outside the top two categories earns just 1x, so the card rewards businesses with concentrated spending in those categories.
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.