American Express® Business Gold Card

The card_name is designed for small business owners, especially those that travel and collect American Express membership reward points. It has a welcome offer and you can earn 4X membership points per $1 spent on the two categories your business spends the most on per month. All in all, it’s a solid business card. We dive into the details in this Business Gold Card review.

Welcome Offer

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Terms Apply.

Our Rating

4.5/5.0

Welcome Offer

Earn 70,000 Membership Rewards® points

Annual Fee

$375

0% Intro on Purchases

N/A

Reward Rate

1x – 4x points

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Trip Delay Reimbursement

Rewards

1x points
On all other eligible purchases
1X is earned for other eligible purchases.
3x points
Airfare
Earn 3x on flights booked through American Express Travel
3x points
Hotels
Earn 3x on prepaid hotels booked through American Express Travel
4x points
Select Categories
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter).

Interest Rates & Fees

Annual Fee$375
Foreign Transaction FeeNone
Regular APR19.49% - 28.49% (V) APR

Insurance

Trip Delay Insurance

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.
  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Return 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 occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. 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 (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

What Credit Score Is Required to Get the American Express® Business Gold Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 682

Average Approved Credit Score: 716

App StatusDateCredit ScoreBureauCredit Limit
Approved07/15/2023
709
Equifax
---
Approved07/15/2023
715
Equifax
---
Approved07/15/2023
719
TransUnion
---
Approved07/15/2023
724
Experian
---
Approved07/15/2023
726
TransUnion
---
Approved10/13/2023
682
Equifax
---
Approved10/13/2023
721
Experian
---
Approved10/13/2023
732
TransUnion
---

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 4X Points
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

Related Articles

To view rates and fees of the American Express® Business Gold Card, see this page.