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Apply for a card

Criteria for applying for a Business Gold Card:

  • Your business must have been registered with the (Dutch) Chamber of Commerce for at least 1 year
  • You do not have a negative registration at the Credit Registration Office (BKR)
  • You have a gross salary of at least €36,000 a year

Please keep the following information ready before starting the application:

  • Chamber of Commerce (KvK) number
  • Annual gross salary and company revenue
  • Valid ID document: Passport, Dutch identity card or European identity document (issued in an EU or EEA country or Switzerland). A driving licence cannot be accepted.
  • Keep your mobile phone and bank app ready for verification of your personal data and the online identification.

As a financial institution, American Express is required to comply with the requirements of the Anti-Money Laundering and Anti-Terrorist Financing Act (AML). To that end, we need to verify your personal data. We do this using iDIN from Signicat, our partner specialised in digital identification and verification. You can use iDIN for online identification using your own bank's log-in procedure.

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Earn points with all your business expenses

Collect Membership Rewards (MR) points with every euro spent and use them for various purposes, such as upgrading your hotel room or receiving benefits during your business flight.

Save on all your business expenses

  • Use your Membership Rewards points for flights and hotel stays or convert your points to other savings and loyalty programs of airline and hotel partners, such as the Flying Blue program of AIR FRANCE-KLM.
  • You can also use your points to pay for recent transactions on your account statement.
  • You can also exchange saved points for various gift vouchers, for example to reward your employees or for business gifts.
Save on all your business expenses

Use the card for all your business expenses

With your Business Gold Card, you earn 1 MR point per euro spent. You can earn points for expenses such as:

  • Computers and software subscriptions
  • If you advertise frequently online, link your card to Google Ads, Meta, LinkedIn and TikTok
  • Business lunches and dinners
  • Fuel and parking
  • Business flights, train rides, taxi rides, and hotel stays
Use the card for all your business expenses

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New from July 1st, 2024: Four times per membership year airport lounge access

Priority Pass terms and conditions

These terms and conditions apply to the Business Gold Card membership and the use of the Priority Pass™ program. Priority Pass is an independent program for accessing airport lounges. American Express provides four entries per year for you. For entries not paid for by American Express, the applicable fee as listed on www.prioritypass.com will be charged. By agreeing, you acknowledge responsibility for the payment of all entries not covered by American Express. Your card will be automatically charged upon registration for access, with notification to Priority Pass via the participating lounge. Additionally, you acknowledge and agree that American Express may verify your card account number and provide updated card account information to Priority Pass, who will use this information to fulfill the Priority Passprogram. Business Gold Card holders whose card accounts have not been canceled have access to participating Priority Pass lounges upon enrollment by presenting their Priority Pass card and a confirmed boarding pass. In some lounges, a Priority Pass member must be 21 years old to enter without a guardian. Priority Pass members must comply with the rules and regulations of the participating lounges. Facilities may vary depending on the location of the airport lounge. Conference rooms, if available, can be reserved for a small fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the terms of use of Priority Pass, which can be found at www.prioritypass.com and for which American Express is not responsible.

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Convenient business payments

Pay for your day-to-day business expenses using the Business Gold Card and earn Membership Rewards points even faster.

For instance for purchases such as:

  • Fuel and parking
  • Online advertising
  • Hardware and software
  • Travel and hotel stays for business purposes

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New: Loungebox On the go

Are you flying from Schiphol? Starting July 1, 2024, we offer you a breakfast, lunch, or light dinner on presentation of your Business Gold Card.

What is it?

Loungebox On the go offers you the opportunity to create your own breakfast or lunch/dinner at the GRAB&FLY shops at Schiphol Airport. You have a choice of a diverse assortment, conveniently packaged and made fresh daily!

Where can I get Loungebox On the go?

Loungebox On the go is available at all GRAB&FLY shops at Schiphol upon presentation of your boarding pass and your American Express Business Gold Card.

You can create your own menu by combining the three options below:

  • Yogurt, a salad, a sandwich, or a wrap;
  • One croissant or one piece of fruit;
  • A hot or cold beverage.

Important information:

The offer is valid once per day and a maximum of two times per month for Business Gold main cardholders and additional Business Gold Card members.

Terms and conditons

  • Valid for both the main cardholder and additional Business Gold Card members.·
  • Upon collection at the GRAB&FLY, you will be charged € 0.10 administrative fee per Loungebox for picking up your breakfast, lunch, or dinner.
  • If you choose a soft drink, you will be charged a € 0.15 deposit.
  • If you choose a hot beverage, you will be charged a € 0.01 single-use plastic surcharge.·
  • The benefit is personal and the name on your boarding pass must match the name on your American Express card.·
  • The benefit can be used twice per month.· 
  • Please note that your physical card is required to enjoy the benefit; mobile payment methods and digital wallets are not valid.·
  • If you collect more Loungebox On the go packages per day than allowed, you will be charged € 20 per extra package collected on your card
  • The benefit is not valid upon arrival or if you have also chosen to visit one of the lounges.
  •  Loungebox On the go is available at all GRAB&FLY locations at Schiphol Airport.·
  • Offer is subject to the opening hours of the Grab&Fly shops.·
  • Loungebox On the go is only available for American Express Business Gold Cards issued in the Netherlands.

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Financial Flexibility

  • You benefit from a deferred payment period of minimum 30 to maximum 50 days.
  • You have 24/7 access to your expenses through Online Services. Here you can also find your online account statements, your Membership Rewards balance, and view and change your PIN code.
  • There is no fixed spending limit with the Business Gold Card. The spending limit is determined by your personal profile, length of membership, and spending pattern.
  • You will receive a detailed monthly account statement with your business expenses.
  • You make a payment once a month instead of multiple (cash) payments.

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Supplementary Insurance

With the Business Gold Card, you have access to the following supplementary insurances*, if the business trip was paid for with your Business Gold Card.

Travel Accidents:

  • Throughout the duration of your business trip, you are insured against the consequences of any accidents.
  • The maximum coverage is €50,000 in case of death or permanent disability resulting from an accident.

Travel Inconveniences:

  • Delayed flight (max. €150 per  person per trip)
  • Missed connection (max. €275 per person per trip).
  • Delayed or lost luggage (max. €275 per person per trip)

Continuous Travel and Cancellation Insurance:

  • Necessary medical costs and treatments due to illness during your trip (max. €1,500,000 per trip)
  • Theft, loss, or damage to personal belongings (max. €700 per trip) 
  • Cancellation costs, in case of cancellation due to illness or death of a close relative (max. €4,500 per trip)

Insured Purchases:

  • If your purchase is stolen or accidentally damaged, we will reimburse the costs for replacement or repair up to 180 days after purchase.

Money-Back Guarantee:

  • If you decide to return a purchase within 90 days of purchase, but the store does not agree, you will receive a refund from us.

* Please note: Insurance terms and conditions apply.
For further information, we kindly refer you to the Insurance Terms and Conditions (Dutch).

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World-Class Service

We are here for you. If you have any questions about a transaction, applying for a replacement card, or requesting an additional card, please call our Member Service between 8:00 am and 6:00 pm using the phone number on the back of your card. In case of a lost or stolen card, you can reach us 24/7. You may be assisted in English.

Online Services:
View your recent transactions, download your account statements, and view and/or change your PIN code.

Requesting Additional Business Gold Cards:
Easily apply online for additional Business Gold Cards for your employees or business partner. The expenses of the additional cardholders will be added to the main cardholder's account statement, and you can also earn Membership Rewards points with the additional cards. Requesting additional Business Gold Cards is free of charge, and there is no separate annual fee for them.

The renewed American Express Business Gold Card

  • 4 times per membership year free airport lounge access (NEW)
  • Loungebox On the go at Schiphol Airport (NEW)
  • Automatically earn points on all your business expenses

€ 270 annual card fee

The American Express Business Gold Card

Your comfortable business journey starts here.

Enjoy four times per membership year of complimentary airport lounge access with Priority Pass Membership and Loungebox On the go. Prepare for your meeting, finish your last call, or catch up on your emails in one of the 1,300 Priority Pass airport lounges worldwide. If you are flying from Schiphol and don't have time to use the lounge, we offer you a breakfast, lunch, or light dinner on presentation of your Business Gold Card at one of the GRAB&FLY shops. Even when not traveling, the Business Gold Card offers you business benefits. Automatically earn Membership Rewards points with all your business expenses. Now available in stylish metal.

New: Airport lounge access

Enjoy the comfortable Priority Pass airport lounges with 4 free entries per membership year, starting from July 1, 2024.

Learn more

New: Loungebox On the go

Are you flying from Schiphol? Starting July 1, 2024, we offer you a breakfast, lunch, or light dinner on presentation of your Business Gold Card.

Learn more

Membership Rewards

Earn Membership Rewards with every euro spent and use them to upgrade your business trip.

Discover the rewards program

Financial control

With the Business Gold Card, you maintain an overview of your business expenses.

Learn more

Additional insurance coverage

Travel with confidence, and make secure business purchases.

Learn more

World-Class Service

We are ready to help you. Since 1850.

Read more

New from july

Airport lounge access four times a year via Priority Pass

Enjoy the comfortable Priority Pass airport lounges with 4 free access passes per membership year. You can use these 4 passes for yourself and any accompanying individuals.

Luchthaven loungetoegang
NEW FROM JULY

Loungebox On the go

Are you flying from Schiphol? Then we offer you breakfast, lunch, or a light dinner at the GRAB&FLY shops at Schiphol airport, upon presentation of your Business Gold Card. This benefit also applies to holders of an additional Business Gold Card.

LoungeBox On the go

Financial Flexibility

With the Business Gold Card, you maintain financial control and gain greater insight into your business expenses. Your spending limit adjusts with you, depending on the length of your membership and your spending patterns. Faced with an unexpected large expense? We are happy to explore options with you. You benefit from deferred payment while your suppliers are paid immediately.

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This is how extended payment works:
Day 1-29

Individual purschases

Day 30

Monthly account statement

Day 50

Payment to American Express

Convenient business payments

Pay for your day-to-day expenses, such as fuel, parking, business lunches, IT expenses and online advertising costs using the Business Gold Card. This way you earn Membership Rewards points even faster.

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The renewed
American Express
Business Gold Card

  • 4 times per membership year free airport lounge access (NEW)
  • Loungebox On the go at Schiphol Airport (NEW)
  • Automatically earn points on all your business expenses
Business Gold Card

€ 270 annual card fee

don't do business without it