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American Express® Business Gold Card

Earns Membership Rewards

Welcome Offer

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How to Earn Rewards

4x Top 2 eligible categories each month (up to $150,000 per calendar year, then 1x)

3x Flights & prepaid hotels booked on AmexTravel.com or the Amex Travel App

1x All other eligible purchases

Key Benefits

Tap any benefit to see details.

$240 Flexible Business Credit

Up to $20 in monthly statement credits after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.

$155 Walmart+ Credit

Statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.

$150 Squarespace Annual Credit

Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.

Up to $300 ChatGPT Business Credit

Enroll to earn up to $300 in statement credits per calendar year when you use your Business Gold Card for ChatGPT Business in the U.S. Subject to auto-renewal.

Katie's Take

Why this card might (or might not) be right for you.

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If you're new, I'd prioritize the Ink cards. But if you have been at this a while and can't open Ink cards right now, or want to take a breather from Chase, this can be a solid offer and way to earn some Membership Rewards.

I also like that American Express generally doesn't run a hard pull on your credit report if you are an existing customer so this should not have any effect on your credit score at all. This card has a bit of a higher annual fee but you can usually break even if you can use those monthly credits.

Benefits Calculator

What's the American Express® Business Gold Card worth to you? Get a personalized estimate.

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American Express® Business Gold Card Benefits Calculator

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

$240 Flexible Business Credit Up to $20 in monthly statement credits after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.

$155 Walmart+ Credit Statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.

$150 Squarespace Annual Credit Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.

$100 Hotel Collection Credit $100 credit toward eligible charges on Hotel Collection bookings of 2+ nights through AmexTravel.com. (per-use benefit — value depends on how often you'll use it)

Up to $300 ChatGPT Business Credit Enroll to earn up to $300 in statement credits per calendar year when you use your Business Gold Card for ChatGPT Business in the U.S. Subject to auto-renewal.

Your Total Annual Value

Annual Fee: annual_fees

Your Net Value / Cost

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer	Spend Req.	Date
As high as 200,000 PointsCurrent	$15,000 in 3 months	2025 - Present
100,000 Points	$15,000 in 3 months	Standard public offer (recurring)
175,000 PointsElevated	$15,000 in 3 months	Sept 2024 (link-targeted)
200,000 PointsElevated	$15,000 in 3 months	July 2024 (link-targeted high)

American Express® Business Gold Card

Katie's Take

Benefits Calculator

American Express® Business Gold Card Benefits Calculator

Offer History

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