EARN 150,000 MEMBERSHIP REWARDS® POINTS
Get the Business Gold Card in a Limited Edition White Gold design, available while supplies last.
Earn after spending $10,000 in eligible purchases on the Business Gold Card in the first three months of Card Membership✝
$375 Annual Fee¤
¤Rates & Fees | †‡Offer & Benefit Terms
WHY IS A BUSINESS GOLD CARD RIGHT FOR YOU?
Valuable rewards that can match your spending
With the Business Gold Card, you automatically earn 4X Membership Rewards® points on your top 2 eligible categories each month on the first $150,000 in combined purchases each calendar year. So, you can maximize rewards without thinking about it.‡
Better benefits that maximize every dollar
The Business Gold Card offers up to $395 back in statement credits annually on eligible purchases at select shipping, food delivery and retail subscription merchants — making your everyday costs that much more rewarding.‡
Flexible features to manage your cash flow
From Pay Over Time to 24/7 support from Amex Business Specialists, our powerful backing has you covered — so you can focus on growing your business.‡
Earn more points in new categories that automatically adjust to your spending habits
Earn 4X Membership Rewards® points on the top 2 eligible categories where your business spends the most in each billing cycle from 6 categories*‡:
U.S. purchases made from electronic goods retailers and software & cloud system providers
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases at gas stations
*While your top 2 categories may change each billing cycle based on where your business spent the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories from this list each billing cycle will count toward the $150,000 cap.
Unlock up to $395 in annual statement credits
$240 Flexible Business Credit‡
Earn up to $20 in statement credits monthly after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub and Office Supply Stores. Enrollment required.
$155 Walmart+ Membership Credit‡
A monthly Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Business Gold Card to pay for one monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free shipping excludes most Marketplace items, freight & certain location surcharges.
Essential features and benefits for your business
Earn 3X points at AmexTravel.com‡*
Earn 3X Membership Rewards® points on flights, prepaid hotels and prepaid flight+hotel packages booked on AmexTravel.com using your Business Gold Card.
Cell Phone Protection‡
With Cell Phone Protection1, you can be reimbursed, the lesser of, your repair or replacement costs following damage or theft for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period, when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Additional terms and conditions apply.
1Coverage is provided by New Hampshire Insurance Company, an AIG Company.
PAY OVER TIME
The Pay Over Time feature lets you carry a balance with interest on eligible charges.‡
How it Works:
- Eligible charges can be paid over time, up to the amount of your Pay Over Time Limit on your account.
- You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
- You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.
NO PRESET SPENDING LIMIT
Unlike a traditional credit card, the Business Gold Card has no preset spending limit. This unique feature means the amount you can spend adapts based on factors such as your purchase, payment and credit history. If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.‡
APPLY FOR THE LIMITED EDITION WHITE GOLD CARD DESIGN
Get the Business Gold Card in a Limited Edition White Gold design, available while supplies last.
OFFER TERMS
You can earn 100,000 Membership Rewards® points after you make $10,000 (the "Threshold Amount") or more of eligible purchases on your Business Gold Card during the first 3 months of Card Membership, starting from the date your account is opened. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. Membership Rewards® points will be credited to your account 8-12 weeks after you have met the Threshold Amount.
You can earn 100,000 Membership Rewards® points after you spend $10,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend $10,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Membership Rewards® points will be credited to your account 8-12 weeks after you have met the purchase requirement.
This offer is not transferable. American Express reserves the right to modify or revoke offer at any time.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
If you have a history of cancelling or downgrading American Express Card accounts within your first year and you cancel or downgrade your new Card account within your first year, we may not credit, we may freeze, or we may take away Membership Rewards® points from your account. If we determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away Membership Rewards® points from your account. We may also cancel any accounts you have with us.