American Express Business Gold

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

Annual fee

$375

Per year

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.

02 · earn & credits

Earn rates & credits

Earn rates

Category	Rate
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

Credit	Value
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