american express business gold card
Courtesy: American Express
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The Amex Gold (and Amex Rose Gold!) card is one of my current favorites. Besides its 60,000 point welcome bonus, the 4X on dining and groceries plus $20 in monthly dining credits makes it a keeper.

The American Express Business Gold Card Bonus Offer

We don’t hear nearly as much about the Amex Business Gold card, however. That’s probably mostly because the bonus offer on the business version has been severely lacking for quite some time and the annual fee is a bit higher at $295.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

But today, Amex increased the bonus offer by more than double what it was yesterday.

  • Get 70,000 Membership Rewards points when you spend $10,000 within first 3 months
  • Also receive up to $300 in statement credits with up to $150 back on both U.S. advertising in select media and U.S shipping – as long as those charges post within the first 3 months of Card Membership
amex business gold card
American Express Business Gold Card

How does the American Express Business Gold work?

Like the Amex Gold card, it has bonus categories that offer 4X Membership Rewards points (Also see: Best ways to Spend Amex Membership Rewards points).

But instead of just two categories earning 4X, you get SIX categories from which you earn 4X on your top two each month – up to $150,000 a year in total spend.

You don’t even have to choose. It’s automatic. The available categories are:

  • Airfare purchased directly with airlines
  • US advertising and media
  • US gas stations
  • US hardware/software/cloud computing services
  • US restaurants
  • US shipping

I have had many business points consulting clients max this out (sometimes many times over) each year, meaning 600,000 bonus Membership Rewards for that spend. not bad!

What are the Amex Business Gold Benefits?

It’s actually pretty light on other major benefits, but you do receive a 25% Membership Rewards points rebate on airfare paid on points with your card. This applies to economy flights with your chosen airline and First and Business Class flights with all airlines.

It also offers:

  • No foreign transaction fees
  • Access to book the Hotel Collection ($100 in hotel credit on 2 night Hotel Collection stays)
  • Secondary Car Rental Damage coverage
  • Trip Delay insurance (delay must exceed 12 hours)

What Credit Score Do You Need for an Amex Business Gold?

You should have at least a 700+ FICO score to apply.

Will Amex Run Your Credit If You Apply?

If it’s your first American Express card, definitely. But if you are a current cardholder, they often, though not always, approve you based on your history with them and a soft pull. But often, there’s no hard inquiry.

Does a Business Gold Card Count Against Your Four Card Limit with Amex?

No. While Amex no longer refers to it as a Charge card, it is in the category of cards formerly known as Charge. In short, you can have up to ten of these vs. 4 traditional American Express credit cards.

But remember that you can only get one bonus per Amex card per lifetime (or practically speaking, around 7 years from when you last closed it).

Will This Affect Your 5/24?

Definitely not. As a business credit card it will not count as a new card for the purposes of the Chase 5/24 rule.

How Do You Get an Amex Business Gold Card?

Click here to learn how to apply.

MilesTalk Musings

I strongly advocate picking up every Amex card you can over time, given that the welcome bonuses are by far the best way to collect large sums of points – at least until you’ve gotten them all!

But for businesses that spend volume on 1 or more of the 6 bonus categories, this card can actually be a tremendous earner. The higher welcome bonus may just be what you need to give it a try.

Remember that all American Express Membership Rewards points pool together and never expire as long as you have at least one Membership Rewards card, even the no-annual fee Blue Business Plus.

Questions?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

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I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

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