American Express® Business Gold Rewards Card®

American Express® Business Gold Rewards Card®

Welcome Bonus

70,000 Membership Rewards points

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

Cash Advance Rates

Balance Transfer Rates

Your Monthly Spending


  • Earn up to 110,000 points:
    • Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.
    • Plus earn 10,000 bonus points, when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year. That’s up to $1,100 in statement credits that can be reinvested in your business.
  • The Membership Rewards program boasts an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you’re at it.
  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card. Track Your Progress by logging into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use to view more information. Available on iOS and Android only.
  • Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Make the most of a suite of business management tools that give you more control over your business – anytime and anywhere
  • 99% Recycled Plastic: You will receive your new Business Gold Rewards Card once your current Card expires. You can continue to use your current Card until you receive a new one. As part of our commitment to sustainability, your Card has been created using 99% recycled plastic
  • Special Business Offers with American Express. Explore offers for dining, travel, business supplies and services, and more – from brands you love
  • Enjoy added confidence with Mobile Device Insurance. You can be protected with our Mobile Device Insurance. Enjoy your new mobile device with more confidence
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $199
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP Lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value


Welcome Bonus amount 70,000 Membership Rewards points
Minimum Spending Required $5,000
Minimum Spending Timeframe (Months) 3 month(s)
Transferable Points
Rewards Type Travel points
Transfer Partners American Express Membership Rewards, Marriott Bonvoy, Aeroplan, British Airways Executive Club, Asia Miles
Loyalty Program American Express Membership Rewards


Per dollar of purchases

All Spending 1 Membership Rewards point
Groceries 1 Membership Rewards point
Gas 1 Membership Rewards point
Dining and Food delivery 1 Membership Rewards point
Convenience Stores 1 Membership Rewards point
Drugstores 1 Membership Rewards point
Local Transport 1 Membership Rewards point
Travel 1 Membership Rewards point
Entertainment 1 Membership Rewards point
Recurring Payments 1 Membership Rewards point
Telecom/Internet 1 Membership Rewards point
Streaming services 1 Membership Rewards point
Online transactions 1 Membership Rewards point
Office Supplies 1 Membership Rewards point


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document


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