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Begin Your Business Journey
Apply Now to enjoy Welcome Offer up to HK$2,8001 and first-year annual fee waiver
Awarded the Best Business Card for SMEs2, we have your back with no pre-set spending limit3, enhanced cashflow, travel privileges and insurance protection. From now till June 30, 2025, succesfully apply for Gold Business Card to earn HK$1,000 statement credit upon spending HK$1,000 in the first 3 months!
American Express®
Gold Business Card
Welcome offer
Enjoy HK$200 statement credit upon first transaction made in the first 3 months
Enjoy another HK$800 statement credit upon accumulated spending of HK$1,000 in the first 3 months
Enjoy 315,000 Membership Rewards® points^ upon accumulated spending of HK$45,000 in the first 3 months
Earn extra 5X points (per HK$1 spent) at selected merchants2 in the first 3 months, capped at 225,000 points^
^On the basis of HK$100 cash voucher can be redeemed by 30,000 Membership Rewards points and HK$10 Pay with Points can be redeemed by 3,000 Membership Rewards points.
Accelerated points on your business expense
Local Spend
Foreign Currency
Spend
Above earn rate is only applicable to the first HK$300,000 spent during each program period. From HK$300,001 and onwards, every HK$1 (or equivalent) spent will entitle to 1 point on local spend and 2 point on foreign currency spend. Each program period shall run from January 1 to December 31 of each such calendar year.
Card benefits
Streamline business expenses and enhance your company cash flow.
Improve your Cashflow
• No pre-set spending limit3
• Up to 51 credit-free days from transaction date4
Protect yourself and your company
• Complimentary Business Insurance5
• Complimentary Travel Insurance5
• Secure online shopping with SafeKey® 6
Control your business expenses
• 24/7 online account access
• Quarterly management reports
• Supplementary Cards for your staff7
Spend securely with us and redeem your choice of rewards with the points earned.
• Pay with Points Max - Enjoy an enhanced (1.25 times) redemption rate at 240 points = HK$1 when covereing yourspend on selected brands. Offer valid until Dec 31, 2024. Terms and Conditions apply.
• Access to American Express Travel Online (ATO) - Enjoy the special redemptio rate at 240 points = HK$1 when booking your business trip through our exclusive travel agency.
• Roadside Assistance - Cover the first HK$750 of towing to your garage when needed, up to 2 claims per year. Terms and Conditions apply.
• Fast and safe trasanctions - Safekey® 6 and Fraud protection ensure every transaction is secure, even in overseas.
Plan your business trip with our holistic travel services, including privileges, offers, insurance and support.
• Earn up to 3 points per HK$1 you spend on foreign currencies
• Complimentary Travel Insurance5
• Up to HK$2,000,000 Business Travel Accident Insurance
• Up to HK$4,000 for accommodations and essential clothing due to a delayed or cancelled flight and missed connection
• Up to HK$8,000 luggage delay
• Up to HK$10,000 for lost luggage
• Access to Plaza Premium Lounges10
• 8% off at Expedia11
• 7% off at Agoda12
• 24-hour Global emergency support13
The Best Business Card for SMEs -American Express
Gold Business Card
Apply Now to enjoy welcome offer up to HK$2,8001, plus first-year annual fee waiver.
Earn points all year round through local and foreign currencies spending to redeem your favourite rewards. You can also enjoy complimentary travel insuracne!
- Welcome offer Terms and Conditions apply.
- The American Express® Gold Business Card has won 3 consecutive year as the “Best business Card for SMEs” by CAPITAL Magazine.
- No pre-set spending limit: No pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us.
- 51 credit-free days: Actual credit-free period will vary based on the date of charge and the billing cycle cut-off date.
- Insurance: The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. (American Express) does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. Exclusions and limitations apply. See here for Business Insurance details; here for Business Travel Insurance details;
- SafeKey®: Secure online shopping with American Express SafeKey. Click here to learn more.
- American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. Supplementary Cardmembers must be over 18 years of age. The Business, the Basic Cardmember and each Supplementary Cardmember are jointly and severally liable for all Supplementary Card spending. Membership Rewards® enrolment required. Subject to the Terms and Conditions of the American Express Gold Business Card Membership Rewards program and the Terms and Conditions of the American Express Membership Rewards Program.
- Calculation by using Pay with Points (300 points = HK$1) to cover eligible spendings. A currency conversion fee applies when payment is charged in a currency other than Hong Kong Dollars. For more information regarding charges made in foreign currencies, please refer to the Cardmember Agreement.
- A currency conversion fee applies when payment is charged in a currency other than Hong Kong Dollars, please refer to the relevant Cardmember Agreement.
- Basic and Supplementary Cardmembers of American Express Gold Business Card issued in Hong Kong by American Express International, Inc. are eligible to a total of two complimentary visits per year. Terms and Conditions apply.
- Expedia year-round offer Terms and Conditions apply.
- Agoda year-round offer Terms and Conditions apply.
- Global Assist Hotline: You must arrange all medical and visitor transportation. As the Global Assist Hotline is an assistance service, we cannot reimburse you for expenses you incur on your own. Please refer to the Global Assist Summary of Coverage for additional details and restrictions.