All Benefits & Features
Maximize Rewards with 4X Points‡
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle from 6 categories:- Purchases at US media providers for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- 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.
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 towards the $150,000 cap.Earn 1X Points
on other select purchases made using your Business Gold Card.‡$240 Flexible Business Credit‡
Get more for your business purchases. Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.Walmart+ Monthly Membership Credit‡
Receive a statement credit1 for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card.
1Up to $12.95 plus applicable taxes. Plus Ups not eligible.Pay Over Time Option
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
No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.‡Year-End Summary
Organizing your expenses can be a time-consuming task. That’s why we provide a Year-End Summary of charges to help you manage your account online. It’s one of many features that come with carrying a Business Card from American Express.‡Employee Cards
Earn Membership Rewards® Points.‡ Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits‡ you set. You'll earn Membership Rewards® Points‡ on their purchases and receive real-time alerts to help you know who’s spending and where.
Your Card offers an Employee Business Card option with no annual fee. The annual fee for the Employee Business Gold Card is $95 for the first five Cards, and then $95 for each Card thereafter, up to 99 Cards.Connect to QuickBooks®
Save time with auto-expense categorization in Intuit QuickBooks® Once enrolled, your Business Card transactions are automatically tagged with your QuickBooks categories.‡Vendor Pay by Bill.com‡
Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for six months. After six months, the second user will have a fee of $15 per month. Additional fees may apply based on plan type and number of users.Account Manager
Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Business Expense Cards, so you're free to focus on other priorities.‡Account Alerts
American Express Business Card Members can set Account Alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use.Online Statements
View your purchase history, prepare reports, and budget your expenses.American Express® App
Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real-time with the American Express® App.‡3X Membership Rewards Points on Travel‡
Earn 3X Membership Rewards® points on flights and prepaid hotels and prepaid flight + hotel packages booked on AmexTravel.com using your Business Gold Card.No Foreign Transaction Fees
Do business globally and pay no foreign transaction fees on your purchases.*‡¤
*American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.The Hotel Collection
Book The Hotel Collection with American Express Travel and receive the following benefits at participating properties when you stay at least two consecutive nights:‡- $100 experience credit, to spend on qualifying dining, spa and resort activities. Experience credit varies by property.
- Room upgrade upon check-in only, when available. Certain room categories are not eligible for upgrade.
Global Assist® Hotline‡
Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.Baggage Insurance Plan♦︎
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.Car Rental Loss and Damage Insurance♦︎
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Trip Delay Insurance‡
Trip Delayed? If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help. Terms, conditions and limitations apply.1
1Coverage is provided by New Hampshire Insurance Company, an AIG Company.Cell Phone Protection
You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone up to $800 per claim with a limit of two (2) approved claims per 12-month period, subject to a $50 deductible per claim, when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply.1‡
1Coverage is provided by New Hampshire Insurance Company, an AIG Company.Dispute Resolution
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡Extended Warranty♦
With Extended Warranty♦ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.Purchase Protection♦
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.Relationship Care® Service
When you become an American Express Business® Card Member, you can receive our special brand of Relationship Care® service. Whenever you have questions or concerns about your American Express Business Card, you can rely on us to give you answers 24/7. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support.