American Express® Business Gold Card
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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 Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). There’s also a 0% Intro APR offer for 6 months from date of account opening on purchases eligible for Pay Over Time, then a 18.99% - 27.99% variable APR. All in all, it’s a solid business card. The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com. We dive into the details in this Business Gold Card review.
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 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 100,000 Membership Rewards® points
Annual Fee
$375
0% Intro on Purchases
6 months from date of account opening
Reward Rate
1x – 4x points
0% Intro on Balance Transfers
N/A
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Trip Delay Reimbursement |
Rewards
Interest Rates & Fees
| Annual Fee | $375 |
| Foreign Transaction Fee | None |
| Regular APR | 18.99% - 27.99% (V) APR |
| Purchases | 0% Intro APR for 6 months on purchases, then 18.99% - 27.99% (V) APR after that. |
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: 733
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/01/2024 | Not Provided | ||
| Approved | 07/15/2023 | Equifax | ||
| Approved | 07/15/2023 | Equifax | ||
| Approved | 07/15/2023 | TransUnion | ||
| Approved | 07/15/2023 | Experian | ||
| Approved | 07/15/2023 | TransUnion | ||
| Approved | 01/10/2024 | Experian | ||
| Approved | 10/13/2023 | Equifax | ||
| Approved | 10/13/2023 | Experian | ||
| Approved | 10/13/2023 | TransUnion | ||
| Approved | 06/06/2023 | Not Provided | ||
| Approved | 01/22/2024 | Experian |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 4X Points
- Annual fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
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
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
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To view rates and fees of the American Express® Business Gold Card, see this page.