American Express® Business Gold Rewards Card®
on American Express's website
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Pros & Cons
Pros
- Welcome Bonus: Up to 70,000 points
- Purchase protection included
Cons
- High annual fee ($199/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The American Express® Business Gold Rewards Card® turns business spending into travel rewards or statement credits. Its strength for businesses with regular expenses is a bonus of 10,000 Membership Rewards points for each quarter in which you charge at least $20,000 in purchases to the Card, on top of the points earned on those purchases.
The welcome offer can reach 70,000 Membership Rewards points:
- 50,000 points after $7,500 in purchases in the first 3 months;
- 20,000 additional points after $30,000 in cumulative purchases in the first 12 months.
Earn 1 Membership Rewards point per dollar on purchases. You can then use points to reduce the cost of purchases charged to the Card or transfer them to partner programs such as Aeroplan, Avios, or Marriott Bonvoy.
With a $199 annual fee, this Card is particularly suited to businesses that can use the quarterly bonus while keeping flexibility in how they spend their rewards. It also includes travel and purchase insurance, subject to applicable terms.
Rewards
All Spending
1x
Amex Membership Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
30,000
Amex Membership Rewards/yr
Estimated Value
$510
After Fees
+$311
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$1,501
incl. welcome bonus
Annual rewards breakdown
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Transfer partners
Aeroplan
Airline
British Airways Club
Airline
Cathay Asia Miles
Airline
Etihad Guest
Airline
Flying Blue
Airline
Hilton Honors
Hotel
Marriott Bonvoy
Hotel
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $100,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000 / 1 year(s)
Auto Rental (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$199
- Additional card fee$50
- Foreign currency conversion fee2.5%
Terms & Conditions
Card Features
Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.
- Earn 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
- Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
- That’s up to $700 in statement credits to reinvest in your business.
Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year
Earn points that you can redeem in a variety of ways.
- Earn 1 Membership Rewards® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
- Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
- Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere
- Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
- Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
- Pay for business expenses over time with Flexible Payment Option
- This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Access comprehensive insurance coverage for your travel needs.
- Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
- Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
- Save money when travelling with complimentary Car Rental Theft and Damage Insurance
Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.
- Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
- Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
Access to coverage for mobile devices purchased for business use.
- Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.
Legal
*Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Travelling Salzmans may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
