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01 · overview

American Express Business Gold

200,000 points welcome · 4x on top spend category · $375/yr

American Express Business Gold
Annual fee
$375
Per year
Sign up bonus
200K pts
After $15,000 in 3 mo · ≈ $2,400
Credits
$845
4 credits
Median FICO
Approved
Median income
Approved
Welcome bonus
200K pts
After $15,000 in 3 mo · ≈ $2,400
Amex advertises this as "as high as 200,000 Membership Rewards Points"; actual offer may be lower.
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Top 2 spend categories
Automatically on your top 2 spending categories each billing cycle from 6 eligible (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap
on first $150,000/yr, then 1x
Eligible: Airlines, Gas, Dining, Transit
4x
Travel (via Portal)
Flights and prepaid hotels booked via AmexTravel.com
3x
Everything Else
1x
Estimated value: 1.2¢/point
Statement credits
CreditValue
Business Statement Credits
Up to $20/month in statement credits on eligible U.S. purchases at FedEx, Grubhub, and office supply stores
$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
Total annual value$845
03 · approval odds

Approval odds

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04 · news

In the news

05 · reading

Further reading