American Express^® Preferred Rewards Gold Credit Card

The Platinum Card^®

Amex^® Cashback Everyday Credit Card

British Airways American Express^® Credit Card

British Airways American Express^® Premium Plus Card

The American Express^® Rewards Credit Card

Amex^® Cashback Credit Card

Nectar Credit Card

Marriott Bonvoy^® American Express^® Card

Basic Card

The American Express® Business Platinum Card

The American Express® Business Gold Card

British Airways American Express^® Accelerating Business Card

Amazon Business Prime American Express^® Card

Amazon Business American Express^® Card

The American Express® Business Basic Card

The American Express® Business Gold Card

Reward your business every day

Apply Now

Key Benefits and Information

Annual Fee

Pay no annual fee on your Business Gold Card for the first year, and £195 per year after that.

Quarterly Bonus Points

Earn 10,000 extra Membership Rewards points on purchases when you spend £20,000 or more per quarter, up to an additional 40,000 points in a year.

Up to 54 Days to Pay

Get up to 54 days payment period on purchases, so your cash can stay in your account longer.

Complimentary Cards

Empower employees to spend securely with up to 20 complimentary Employee Cards.

LIMITED TIME OFFER

Earn up to 20,000 60,000 bonus Membership Rewards^® points

Earn 40,000 points when you spend £6,000 in the first three months, with an additional 20,000 points when you spend between months 14–17 of Cardmembership. Offer ends 8 April 2025. Terms apply, 18+, subject to status.

How You Earn

1X Membership Rewards Points On purchases
for every eligible £1 spent
2X Membership Rewards Points On American Express Travel
For every £1 spent
9,000 Bonus Points For a referral
if the business is approved

All Benefits

Membership Rewards

Earn 1X point for every eligible £1 spent

Earn 2X points for every £1 spent on American Express Travel

Earn 10,000 extra points when you spend £20k or more per quarter, up to 40,000 points in a year

Redeem points for travel, gift cards, to pay your bill, choose to reward yourself or your business

Earn 1X point for every eligible £1 spent

For every eligible £1 you spend on your Card, you'll earn 1 Membership Rewards point – and there's no limit, so you can stack up the points to your heart's content, as long as your Account is open and up to date.

The same goes for Employee Cards on the Account, so your employees’ spending will keep the rewards coming in.

Earn 2X points for every £1 spent on American Express Travel

Earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel Online. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges.

Earn 10,000 extra points when you spend £20k or more per quarter, up to 40,000 points in a year

When doing business, earn 10,000 bonus Membership Rewards points every quarter that you spend £20,000 or more on your Card, up to 40,000 points in a year.

Redeem points for travel, gift cards, to pay your bill, choose to reward yourself or your business

From spa day experiences to department store Gift Cards, use your points to treat yourself or reward those people going above and beyond for your business. You could put them towards a team lunch or new office supplies or even for a statement credit to help boost your bottom line.

You can also transfer points to one of our partner's frequent traveller programmes, and use them to enjoy hotel stays, flights, dining and more – for business or pleasure. Our partners include British Airways, Marriott Bonvoy^TM, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.

Cashflow Management

Up to 54 days to pay

Flexible spending power

Streamlined accounting tools

Up to 54 days to pay

If you pay for your expenses by cash, invoice or cheque, the payment will leave your account right away. With Amex Business Gold^® you have up to 54 days payment period on purchases, so your cash can stay in your account for longer, making money management more flexible. Simply pay your balance in full every month.

Flexible spending power

Unlike a Credit Card, the Business Gold Card has no pre-set spending limit. This means that your Card's spending power - the amount your business can spend - is dynamic and can adjust to your business needs.

To help maximise your spending power, you can start spending and repaying the balance as soon as you get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there's no need to wait.

You can find out more on how to maximise your spending power here.

Streamlined accounting tools

American Express has you covered for all your expense management needs. Just use your MYCA Account to create expense reports and export your data to QuickBooks and Xero.

Employee Expense Management

Up to 20 complimentary Cards to help employees spend securely

Stay in control with our Employee Cards, for employees and associates. Keep your eyes on spend, set limits on Cards or even freeze them, whatever works for you.

Consolidate all your business spending under one Business Card Account, maximising your chance to build Membership Rewards points. Purchases on Employee Cards all count towards that total.

See exactly where your money is going, plus save time when tracking and sorting expenses, through your Online Account and American Express^® App.

The main Cardmember will be liable for all charges made on the Employee Card(s).

Exclusive Savings and Entertainment

Over £200 a year in partner discounts

Upgrades and credits at 1,000+ properties with The Hotel Collection

£100 annual Dell Technologies statement credit

Access to American Express^® Experiences

Over £200 a year in partner discounts

American Express Business Gold brings discounts with providers of goods and services popular with many small businesses, via enrolment through Amex offers.

Upgrades and credits at 1,000+ properties with The Hotel Collection

The Hotel Collection makes business trips better. With over 1,000 hand-picked, upscale hotels worldwide, quality and convenience come as standard. There are also big travel rewards for small business. Earn 2X Membership Rewards points and receive a US $100 credit to use at the property when you book a prepaid stay of two nights or more through AmexTravel.com. Plus, 12pm check-in, late check-out and a room upgrade upon arrival, all when available.

£100 annual Dell Technologies statement credit

You are doing more for your business, so we're doing more for you. We understand business might be changing, and technology will help play a key role in helping to keep your business moving forward. This exclusive benefit from Dell Technologies will provide extra value, when you need it most.
Get up to £50 in statement credits between January and June and up to £50 in statement credits between July and December for United Kingdom purchases with Dell Technologies on your Business Gold Card when enrolled. That's up to £100 in statement credits annually. Only the Basic Cardmember can enroll the Card Account into the benefit.

Once enrolled, you can purchase online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745.

Access to American Express^® Experiences

All work and no play makes business more of a grind. So, with American Express^® Experiences you can make it all more memorable, whether you're entertaining clients, rewarding your employees, or treating yourself. Your Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.

World-Class Service

24/7 Global Assist^® hotline

Emergency Card Replacement

24-hour Business Account management

24/7 Global Assist^® hotline

If you're away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.

Emergency Card Replacement

No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.

24-hour Business Account management

24-hour online business Account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.

You can also access the most important Account information when you're on the go via our Online Account, or as a downloadable app for iPhone and Android devices.

Insurance and Protection

Travel Accident and Travel Inconvenience Insurance

Purchase protection

Refund protection

Travel Accident and Travel Inconvenience Insurance

On the move? You're protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200. Limitations and exclusions apply.

Purchase protection

Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it's stolen or damaged within 90 days of purchase, we'll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.

Refund protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won't refund you, we'll replace or refund you up to a maximum of £300.

Eligibility

To apply for the Gold Business Card, you should be able to say yes to the following:

The business has a current UK bank or building society account
I am aged 18 or over
You have a permanent UK home address
You will pay the annual fee of £195, after your first year of Cardmembership

Important Information

Please ensure that you have read and downloaded these important documents before starting your application.

If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative Card is available - The Basic Business Card.

Ready to apply?

Apply Now

The American Express® Business Gold Card is offered by American Express Services Europe Limited.

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The American Express® Business Gold Card

Earn up to 20,000 60,000 bonus Membership Rewards^® points

1X Membership Rewards Points On purchases

1X

Membership Rewards Points

On purchases

for every eligible £1 spent

2X Membership Rewards Points On American Express Travel

2X

Membership Rewards Points

On American Express Travel

For every £1 spent

9,000 Bonus Points For a referral

9,000

Bonus Points

For a referral

if the business is approved

Other Cards You May Be Interested In

Earn up to 50,000 120,000 bonus Membership Rewards^® points.
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30,000 bonus Avios
when you spend £5,000 in the first three months of Cardmembership.

The American Express® Business Gold Card

Earn up to 20,000 60,000 bonus Membership Rewards® points

1X Membership Rewards Points On purchases

1X

Membership Rewards Points

On purchases

for every eligible £1 spent

2X Membership Rewards Points On American Express Travel

2X

Membership Rewards Points

On American Express Travel

For every £1 spent

9,000 Bonus Points For a referral

9,000

Bonus Points

For a referral

if the business is approved

Other Cards You May Be Interested In

Earn up to 50,000 120,000 bonus Membership Rewards® points. Earn 80,000 points when you spend £12,000 in the first three months, with an additional 40,000 points when you spend between months 14–17 of Cardmembership. Offer ends 8 April 2025. Terms apply, 18+, subject to status.

30,000 bonus Avioswhen you spend £5,000 in the first three months of Cardmembership.

American Express Cookie Preferences

Earn up to 20,000 60,000 bonus Membership Rewards^® points

Earn up to 50,000 120,000 bonus Membership Rewards^® points.
Earn 80,000 points when you spend £12,000 in the first three months, with an additional 40,000 points when you spend between months 14–17 of Cardmembership. Offer ends 8 April 2025. Terms apply, 18+, subject to status.

30,000 bonus Avios
when you spend £5,000 in the first three months of Cardmembership.