Meet your Business
Gold Card
Harder working. More organised.
More generous.
The American Express® Business Gold Card
The Card that works harder for your business.
The Business Gold Card earns you points on eligible business spend, giving you payment flexibility and making business that much simpler.
Not yet a Cardmember? View all Business Cards and their benefits here
Your partner in business
From extended cashflow to more control over employee spending, your Business Gold Card is here to support you across all things business.
Cashflow2
If cashflow often causes you a headache, you’ll be pleased to hear your Card can help:
- From settling a supplier’s invoice to picking up the tab for lunch, put it on your Card and enjoy up to 54 days to pay, interest-free.
- Your cash can stay in your account for longer – simply pay your balance in full every month.
- Unlike a Credit Card there's no pre-set spending limit, giving you the flexibility of a dynamic spending power that can adjust to your business needs.
- Make repayments multiple times within your billing cycle to help maximise your spending power.2
As soon as you get your Card, you can start spending and repaying the balance – all whilst earning Membership Rewards points along the way.
Expense Management — Take control of company expenses
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.
24/7 Online Business Account Management
From the Uber to the airport to the queue for coffee, manage your account safely and securely anytime, anywhere. Make a payment, check your balance, temporarily freeze your Card and more with your Online Account and American Express® App.
Employee Cards3
Manage your team’s expenses, share your Card's benefits and earn rewards on your team’s spend with complimentary Employee Cards.
- Consolidate all your business spending under one Business Card Account. See exactly where your money is going and spend less time sorting expenses.
- Share your Card’s great benefits with your employees, including travel insurance and protection on purchases.
- Build your Membership Rewards points balance as the more your employees spend, the more points your business earns. Use them on anything from treating the team to stocking upon stationary.
- Control your Cards with a few clicks. Set spending limits and freeze Employee Cards online.
Apply now for Business Gold Employee Cards3 at absolutely no extra cost.
Emergency Card Replacement
- Lost your Card in Lisbon, damaged it in Düsseldorf? We’ll get a replacement to you as soon as possible. Wherever your business takes you, you won’t be stranded.
- And if you have temporarily misplaced your Card, you can freeze it for seven days.
A rewarding experience
Gold opens up a world of rewards. Earn Membership Rewards points on all your spend and gain exclusive access and benefits to some of the the most sought after events.
Membership Rewards1
- From buying coffees to buying coffee machines, you’ll be earning Membership Rewards points on all you and your Employee Cards spend.
- Enjoy 1 Membership Rewards point for every £1 you spend, with no limit or expiry on the points you can earn.
- The Membership Rewards programme is incredibly flexible. You can pay with points at checkout, take money off your monthly statement or fly the family to Florence. The possibilities are endless!
- You’ll also be earning an extra 10,000 points when you spend £20,000 in three months. That’s a possible 40,000 additional points a year.
- Use your Card to pay your monthly bills and you’ll earn points on them too. So, your office rent could pay for your office redecoration.
American Express® Experiences4
- Whether it's film, music, theatre or dining, American Express gives you access to purchase tickets for incredible events and enjoy exclusive Cardmember benefits too.
Protection for you and your business
Enjoy peace of mind behind every purchase with your Business Gold Card, providing you with a special level of protection and insurance.
Protect your purchases5
- With a Business Gold Card, you’re covered from whatever is around the corner.
- New phone broken? Laptop lost? We’ll replace, repair or refund up to £2,500 for stolen or damaged eligible items that have been bought on your Card within 90 days.
- Change your mind about a purchase and, whatever the reason, if it’s been bought within 90 days we’ll replace or refund you up to £300, even if the retailer won’t.
Travel Accident Insurance6
- Travel with confidence knowing you’re covered.
- Use your Business Gold Card to book your travel tickets and be protected with up to £250,000 Travel Accident Insurance.
Travel Inconvenience Insurance6
- Whether you’re grounded in Geneva or your flight to Florida has been cancelled, we’ll help you get on your way if the flight was booked with your Card.
- If delayed for over four hours, we’ll give you up to £200 for meals or hotels.
- Left without luggage for more than six hours and you’ll get up to £200 for toiletries and clothing to keep you going.
Money Back with Dell Technologies
Whatever you do, IT is likely to play a vital role in the running of your business. This exclusive benefit from Dell Technologies will help keep your tech up to date and your business moving forward.
Get up to £50 in statement credits between January and June and again between July and December for United Kingdom purchases with Dell Technologies when enrolled. That's up to £100 annually.
We're ready to assist you
Customer Care Professional team
+44 (0) 800 917 8043
(Available 24/7)
Global Assist
+44 (0) 203 126 4113
(Available 24/7)
Insurance Service
+44 (0) 870 600 0342
Calls cost a maximum of 1p per minute, plus your phone company’s access charge
The Membership Rewards® programme
+44 (0) 800 917 8053
(Available 7am-11pm
7 days a week)
Sharing is rewarding
By referring a business contact for the Business Gold Card,
both you and the referred business will earn bonus points.
- Membership Rewards®
Full Terms and Conditions for the Membership Rewards programme apply. Visit membershiprewards.co.uk/terms for more information.
Membership Rewards points are earned for virtually every full £1 spent and charged, per transaction. Membership Rewards points are not earned on Balance Transfers, Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange, Fees and Interest Charges for Returned payments, Finance Charges, Late Payment and Referral Charges, Fees/Charges including joining, annual and Membership Rewards fees. Membership Rewards points never expire as long as the Account is active.
Business Gold Quarterly Bonus
With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each pound you spend on your Card for eligible purchases. Now in addition with the bonus in any Quarter (Quarter 1: 1 Jan to 31 March inclusive, Quarter 2: 1 April to 30 June inclusive, Quarter 3: 1 July to 30 September inclusive, Quarter 4: 1 October – 31 December inclusive), you will receive 10,000 Membership Reward bonus points once you have spent a cumulative £20,000 in that Quarter. The Bonus Points will be transferred to your Membership Reward Account, and can be viewedon your Card Account statement. You will continue to earn one Membership Rewards point on eligible purchases in excess of £20,000 in each Quarter for each pound you spend on your Card for the rest of that Quarter. Qualifying spend in each Quarter cannot be carried over to the following Quarter. General Terms – Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges. Full Terms and Conditions for the Membership Rewards programme continue to apply. Visit membershiprewards.co.uk/terms for more information.
- Cashflow
The full 54 days to pay is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.
- Employee Cards
Employee Cards, also known as "Supplementary Cards", allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and you will be liable for all charges made on the Supplementary Card(s). Supplementary Cardmembers must be aged 18 or over. Written details available on request. Approval subject to status and Terms and Conditions.
- American Express Experiences
Tickets are limited and subject to availability. Tickets must be purchased using your American Express Card. Please note that American Express Experiences refers to the name of the American Express programme rather than a description of ticket type. For full Terms and Conditions, visit americanexpress.co.uk/experiences.
- Purchase Protection
Description of Gold insurance coverages are provided in this document for informational purposes only. The Terms and Conditions provide complete coverage information and supersede all other sources. For the full list of Terms and Conditions, please click here.
- Travel Insurance
Full details of the travel protection benefits currently available can be found in the Terms and Conditions available at Gold Business Card Insurance Terms and Conditions. Please read this to understand the limits and exclusions that may apply.
- Business Gold Dell Technologies Credit
Benefit Terms
This benefit is governed by and subject to these Benefit Terms. By enrolling your Card Account into the benefit, you agree to these Terms.
A. The Benefit
Enrol to the benefit using your eligible Business Gold Card. To receive the statement credit, make eligible spend at Dell Technologies online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745 . The benefit description and terms are displayed to you prior to enrolling into the benefit. After you enrol your Card into the benefit, you can continue to access the benefit description and terms until the benefit end date by visiting https://www.americanexpress.com/uk/business-gold-benefits
B. Eligible Cards
Only the Basic Card Member on a Business Gold Card Account can enrol the Card Account into the benefit. Not all Cards are eligible for this benefit. If a Card you hold is ineligible, you will not be able to see the benefit, nor you will not be able to enrol the Card Account in the benefit.
If you are issued with a replacement Card after enrolling the Card Account into the benefit and the benefit is still available, the replacement Card will be automatically enrolled into the benefit.
C. Statement Credits
Purchases by both the enrolled Basic Cardmember and Supplementary Cardmembers on the enrolled Card Account are eligible for statement credits. Regardless of the date on which the Card Account is enrolled into the benefit, each Card Account is only eligible for up to £50 in statement credits between 1 January and 31 June and up to £50 in statement credits between 1 July and 31 December for a total of £100 per calendar year in statement credits across all Cards on the enrolled Card Account. Valid only on purchases made directly with Dell Technologies in the UK at www.dell.co.uk/amex or phoning a dedicated Dell Advisors on 0800 169 1745 . Not valid on online purchases shipped outside of the UK.Please allow [five working days] after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account – however this can take up to 60 days.Purchases may fall outside of the six-month benefit period in which the purchase was made in some cases due to a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction (for example, the purchase date for online orders may be the shipping date). In this case your purchase would apply toward the statement credit available in the next six-month benefit period. Statement credit may be reversed if the eligible purchase is returned/cancelled. Credit is not redeemable for cash or other payment forms.
If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. This offer does not apply to purchases on non-American Express Cards you might hold or on transactions made using third party payment processors/ payment aggregators.To be eligible for this benefit, Card Account(s) must be not cancelled or suspended and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.Please call the number on the back of the Card if statement credits have not posted after [60 days] from the date of purchase, if you deem your Card Account to be eligible
D. Your Account Payments
We can cancel your participation in the benefit or future benefits if you fail to pay your Card Account balance on time.
E. Fraud / Misuse / Glitches
We can suspend or cancel the benefit if any fraud or misuse by users (as reasonably determined by us), technical failure or any other factors outside our control impairs the integrity or proper functioning of the benefit which may result in any loss or damage to American Express. We will try to give you reasonable notice of any such incident and take reasonable steps to ensure you are not unfairly impacted if the incident is due to something we have done or failed to do. We can disqualify you from this or future benefits, and may reverse any credit already awarded, if you are suspected of fraud, misuse (as reasonably determined by us) or are in breach of any of these Terms.
F. Changes
We reserve the right to vary any eligibility criteria or Terms prior to you enrolling in the benefit.
G. Privacy & Security
We use your personal information such as name, email address, Account number and transaction information to manage your participation in the benefit (including sending notices and reminders) and track your spend. We will only ever use your personal information strictly in accordance with the [American Express Online Privacy Statement].
H. Law
The terms of the offer are governed by English law and the court of England will have non-exclusive jurisdiction over us and you.
The Offer is provided by American Express Services Europe Limited (Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Company Number 1833139.)