Phê Vé
April 6, 2026 • 3 min read
When someone mentions a credit card from American Express, the Gold card often comes to mind. However, there’s a special version designed for businesses: the American Express Business Gold Card. This card is equally enticing and ranks among the best for earning rewards points.
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Introducing the American Express Business Gold Card
When someone mentions a credit card from American Express, the Gold card often comes to mind. However, there’s a special version designed for businesses: the American Express Business Gold Card. This card is equally enticing and ranks among the best for earning rewards points.
Sign-Up Bonuses
Currently, the American Express Business Gold Card offers an incredibly attractive welcome bonus of up to 200,000 Membership Rewards points if you spend $15,000 on eligible purchases within the first three months. If we value each Membership Rewards point at about 1.7 cents, that means 200,000 points are worth approximately $3,400.
Keep in mind that American Express has specific rules regarding card applications, including a "once in a lifetime" rule, meaning if you’ve ever held this card before, you won’t be eligible for the bonus.
Annual Fee and Other Costs
The annual fee for this card is $375, which isn’t exactly low. However, you can add additional card members to your account at no extra cost. The numerous benefits this card offers can easily offset the annual fee.
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Earning Points with Your Card
The standout feature of the American Express Business Gold Card is the reward categories it provides. You can earn up to 4x points on spending in certain categories. These categories will rotate based on your spending each billing cycle.
4x Points Categories
Each billing cycle, you’ll earn 4x Membership Rewards points in the two categories where your business spends the most. There are a total of six eligible categories, and you can earn 4x points on up to $150,000 in spending each year across these categories.
- Advertising spend with media providers in the U.S.
- Purchases from retailers of electronics and software
- Dining expenses at restaurants in the U.S.
- Gas purchases at gas stations
- Train, taxi, rideshare, ferry, and other transportation services
- Monthly mobile phone service charges from U.S. service providers
Points for Non-Eligible Spending
If you spend in categories that don’t qualify for 4x points, the American Express Business Gold Card will reward you with 1x point for every dollar spent. In fact, there may be other credit cards that offer better rewards for everyday spending.
No Foreign Transaction Fees
This card has no foreign transaction fees, making it a great companion for your travels. However, keep in mind that some of the 4x points categories are only applicable to transactions made in the U.S.
How to Redeem Your Rewards Points
Rewards points earned from the American Express Business Gold Card can be transferred to various airline and hotel partners. This card is part of one of the largest and most popular transferable points systems available.
Transferring Points to Partners
The best way to utilize your rewards points is to transfer them to one of the Membership Rewards partners. You can transfer points to 21 partners, including 18 airlines and three hotels.
Other Benefits of the Card
The American Express Business Gold Card offers a wealth of benefits for its users. It’s an excellent choice for businesses looking to optimize their expenses and earn rewards effectively.
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