american express business gold card
Courtesy: American Express

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. (Rates and Fees)

The current Welcome Bonus is:

  • Get 70,000 Membership Rewards points when you spend $10,000 within first 3 months (Terms apply).
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; 1X thereafter.

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

  • Airfare purchased directly with airlines
  • U.S. advertising and media
  • U.S. gas stations
  • U.S. hardware/software/cloud computing services
  • U.S. restaurants
  • U.S. shipping
  • (Terms apply).

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 (Rates and 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)
  • Terms apply.

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 Five 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 – or, more specially, Amex cards with no preset spending limit. 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.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

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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.

To see the rates and fees for the American Express cards mentioned, visit the following links:

Rates and Fees for the American Express(R) Business Gold Card


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