The American Express Business Gold Card is a high-rewarding card designed specifically for small business owners and entrepreneurs. It offers impressive rewards in categories where your business spends the most, making it a lucrative choice for businesses with high spending in particular areas.

Exclusive Welcome Bonus

Use our link below to unlock an impressive 70,000 to 110,000 Membership Rewards® Point bonus when you make eligible purchases totaling $10,000 on your Amex Business Gold Card within the initial three months of Card Membership.

Pros

High Reward Rate

The Amex Business Gold Card offers a whopping 4x points per $1 spent in the two categories (from a list of six) where your business spends the most each month (up to $150,000 in combined purchases each calendar year). The six categories include airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases at restaurants, U.S. purchases for shipping, and U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

Transferable Rewards

The rewards you earn with the Amex Business Gold are Membership Rewards points, which are extremely flexible. They can be transferred to numerous airline and hotel partners, used to book travel directly, or exchanged for gift cards or shopping at select retailers.

Amex Business Gold Card Hotel Perks

Booking through the Amex Business Gold Card's Hotel Collection gives you not only a $100 hotel credit for dining, spa, and resort activities but also potential room upgrades, subject to availability.

Amex Business Gold Card Benefits and Protections

The Amex business gold card review highlights these essential cardholder benefits to ensure peace of mind during your travels:

1. Baggage Protection: Secure coverage up to $1,250 for hand-carried baggage and up to $500 for checked luggage if they're lost, damaged, or stolen.
2. Car Rental Assurance: Using your card to pay for car rentals provides secondary insurance against theft or damages to the rented vehicle.
3. Trip Delay Coverage: When booking a round-trip flight using this card, a delay exceeding 12 hours can qualify you for up to $500 towards related expenses.
4. Extended Warranty: Extend the warranty of your purchases with an additional year of protection for items with warranties of 5 years or less.
5. Purchase Security: Get coverage up to $1,000 for each incident and up to $50,000 annually if items bought with your card face damage or theft within the first 90 days.

Cons

Annual Fee

The Amex Business Gold Card comes with a $295 annual fee. While the high reward rate can offset this cost, it's a factor to consider for businesses with lower spending levels.

Specific Bonus Categories

The bonus categories may not align with every business's spending habits. If your business spends aren't concentrated in the card's bonus categories, you may not get maximum value from this card.

No Cash-Back Rewards

If you prefer straightforward cash-back rewards to points, this card may not be the best fit. The rewards are in the form of Membership Rewards points, which may require a bit more effort to redeem compared to cash-back rewards.

Conclusion

The American Express Business Gold Card is a robust card for small businesses with high spending in one or more of the card's six bonus categories. Its high reward rate, flexible points, and additional protective benefits make it a strong contender for your business. However, the annual fee and the specific nature of its bonus categories mean it won't be the best fit for every business. Ensure to assess your business's spending habits and needs before making a decision.