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Features of the American Express® Business Gold Card

  • Rewards Program Structure: The card’s cornerstone feature is its Membership Rewards® points program, which allows cardholders to earn points on every eligible purchase. The card offers 4X points on the top two spending categories each billing cycle from a list of six eligible categories, up to a cap of $150,000 in combined purchases per calendar year (then 1X points thereafter). These categories include:
    • U.S. purchases at restaurants: Ideal for businesses that frequently dine with clients or employees.
    • U.S. purchases at gas stations: Useful for businesses with travel or delivery needs.
    • U.S. purchases for advertising in select media: Covers online, TV, and radio advertising, perfect for marketing-focused businesses.
    • U.S. purchases at electronic goods retailers and software/cloud system providers: Benefits tech-heavy businesses.
    • U.S. transit purchases: Includes trains, tolls, taxis, and ride-sharing services.
    • Monthly wireless telephone service charges made directly from U.S. service providers.
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    • Additional Points on Travel: The card also earns 3X points on flights and prepaid hotels booked through AmexTravel.com, making it a strong choice for businesses with frequent travel needs. All other eligible purchases earn 1X points per dollar spent, ensuring every transaction contributes to your rewards balance. Points do not expire as long as the account remains active, offering long-term flexibility for redemption.
    • Welcome Bonus: New cardholders can earn a substantial welcome bonus, typically ranging from 100,000 to 150,000 Membership Rewards® points after spending a specified amount (e.g., $15,000) on eligible purchases within the first three months of card membership. This bonus can significantly boost your rewards balance, providing value for travel, merchandise, or statement credits. Note that welcome offers vary, and some targeted offers may provide even higher bonuses (e.g., 200,000 points). Always check the current offer on the American Express website.
    • No Pre-Set Spending Limit: As a charge card, the American Express® Business Gold Card has no pre-set spending limit, offering dynamic spending power based on your business’s financial profile, payment history, and creditworthiness. This flexibility is ideal for businesses with fluctuating expenses, such as seasonal inventory purchases or large-scale projects. However, this does not mean unlimited spending; purchases are approved based on factors like account history and credit record. Cardholders planning significant purchases are advised to contact American Express in advance to ensure approval.
    • Pay Over Time Option: The card includes a Pay Over Time feature, allowing eligible charges to be carried over with interest, up to a specified limit. This hybrid functionality blends the benefits of a charge card (full balance payment) with the flexibility of a credit card, enabling businesses to manage cash flow for larger expenses. The Pay Over Time APR ranges from 18.49% to 27.49% (variable), depending on creditworthiness.
    • Metal Card Options: The Business Gold Card is available in three sleek metal designs—Gold, Rose Gold, and White Gold—adding a premium aesthetic that aligns with the card’s professional appeal. Cardholders can select their preferred design during the application process, enhancing the card’s visual and tactile appeal for business owners who value branding and presentation.
    • Car Rental Program Privileges: Cardholders receive complimentary premium status with select car rental programs, such as Hertz Gold Plus Rewards and Avis Preferred, which can include upgrades, priority service, and discounts, making business travel more seamless.
    • Statement Credits for Business Expensesy: The card offers up to $1,000 in annual statement credits across various business-related purchases, including: $400 Dell Technologies credit ($200 semi-annually, January-June and July-December, changing July 1, 2025). $360 Indeed credit ($90 per quarter) for hiring and recruiting services. $150 Adobe credit for select subscriptions like Adobe Creative Cloud or Acrobat Pro DC. $120 wireless telephone service credit ($10 monthly) for U.S. wireless providers. These credits are subject to enrollment and can significantly offset the card’s annual fee.
    • Travel Protections: The card offers secondary auto rental collision damage waiver coverage for theft or damage to rental cars in the U.S. and abroad, provided the rental is paid with the card. Additionally, trip delay reimbursement covers expenses for delays exceeding six hours or requiring an overnight stay, offering peace of mind for business travelers.
    • Purchase Protections: The card includes purchase protection for eligible items purchased with the card, covering theft or damage within 90 days, up to £2,500 per item (in the UK; U.S. coverage may vary). This feature is ideal for protecting high-value business purchases like electronics or equipment.
    • Mobile App and Online Account Management: The American Express mobile app and online portal provide real-time access to account details, including transaction history, rewards balances, and payment scheduling. The app’s user-friendly interface allows business owners to manage their finances on the go, ensuring constant oversight of spending and rewards.
    • 0% Introductory APR: New cardholders may benefit from a 0% introductory APR on purchases for six months from the account opening date, after which the variable APR applies. This feature supports cash flow management for businesses making large upfront investments.
    • Customizable Spending Limits: For employee cards, you can set customizable spending limits, ensuring control over how much each employee can spend. This feature is crucial for businesses delegating purchasing responsibilities while maintaining budgetary oversight. The American Express® Business Gold Card’s features make it a versatile tool for small business owners, combining robust rewards, flexible spending, and practical management tools to support business growth and efficiency. Its dynamic rewards structure and lack of a pre-set spending limit cater to businesses with diverse spending patterns, while its travel and purchase protections add value for those frequently on the move or making significant purchases.
Premier Card Benefits

Benefits of the American Express® Business Gold Card

  • 1. Statement Credits and Savings:
    • Flexible Business Credit: Cardholders can earn up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores, totaling up to $240 annually. Enrollment is required, and this benefit offsets everyday business expenses like shipping, dining, and office supplies. For example, a business regularly ordering office supplies from Staples or dining with clients via Grubhub can maximize this credit, effectively reducing the card’s $375 annual fee.
    • Walmart+ Membership Credit: Paying for a monthly Walmart+ membership with the Business Gold Card earns a statement credit of up to $12.95 plus applicable taxes per month (excluding Plus Ups), potentially saving up to $155 annually. This benefit is ideal for businesses that rely on Walmart for bulk purchases or e-commerce needs, providing access to free shipping, discounts, and other membership perks.
    • The Hotel Collection Credit: Booking a minimum two-night stay through American Express Travel’s The Hotel Collection grants a $100 experience credit for qualifying resort activities like dining or spa services.
    • High-Earning Rewards Categories: Earn 4X points on the top two eligible business spending categories each billing cycle, such as U.S. advertising, restaurants, or technology.
    • Transferable Points: Membership Rewards® points are transferable to over 20 airline and hotel partners like Delta, Marriott, and Hilton. Transfers often provide the best value, exceeding 1 cent per point.
    • No Points Expiration: Points never expire as long as your account is active. Businesses can accumulate points over time for high-value redemptions like luxury travel or premium gift cards.
    • Trip Delay Reimbursement: Coverage for delays over six hours or requiring an overnight stay includes meals and lodging. This benefit reduces out-of-pocket expenses during travel disruptions.
    • Auto Rental Coverage: Includes secondary collision damage waiver for U.S. and international rentals when booked with the card, helping save on costly insurance.
    • Purchase Protection: Eligible purchases are covered for theft or damage within 90 days. In the UK, coverage is up to £2,500 per item; U.S. limits may vary.
    • Expense Tracking Tools: Integration with American Express @ Work® and QuickBooks helps generate reports, categorize spending, and set alerts—streamlining business expense management.
    • Employee Card Benefits: Issue up to two employee cards at no cost with spending limits. Earn rewards on employee purchases while maintaining control and oversight.
    • Cash Flow Flexibility: The Pay Over Time option allows carrying a balance on eligible charges, with a 0% intro APR for six months, helping manage large or unexpected expenses.
    • Access to Amex Offers: Enjoy exclusive discounts or bonus rewards at select merchants for business-related purchases like software or travel, accessible via the Amex app or website.
    • Global Customer Support: Get 24/7 assistance for fraud, card replacements, and account queries, even while traveling internationally—ideal for global business operations.
    • Hilton Honors Silver Status: Available in select regions (e.g., Australia), this status grants bonus points and late checkout at Hilton properties—beneficial for regular hotel stays.
    • Overall Value Summary: With statement credits, robust protections, and high-earning rewards, the $375 annual fee is justifiable for growing businesses seeking savings and convenience.
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How to Apply for the American Express® Business Gold Card

  • Understanding the Application Process:
    • Online Application: Visit the American Express website, navigate to the Business Gold Card page, and click “Apply Now.” Response time is typically 60 seconds.
    • Targeted and Referral Offers: Look for special mailers, Amex Offers, or referral links to get a higher welcome bonus (e.g., up to 200,000 points).
    • Amex Account Holders: Log into your Amex account to check pre-qualified or targeted offers before applying.
  • Preparing for the Application:
    • Gather Business Information: Business name/DBA, address, industry, structure, years in operation, revenue, estimated spend, EIN or SSN.
    • Review Personal Finances: Ensure a credit score of 690+ (FICO preferred), stable income, and no major credit issues.
    • Confirm Welcome Bonus Eligibility: You may not be eligible if you’ve held the card or received a bonus for it in the past.
  • Step-by-Step Application Guide:
    • Step 1: Go to the Business Gold Card Page – Locate the card under “Business Cards” and click “Apply Now.”
    • Step 2: Enter Personal Information – Include name, contact info, SSN, employment status, and annual income.
    • Step 3: Provide Business Details – Business structure, revenue, address, number of employees, and EIN or SSN.
    • Step 4: Review Terms – Understand the $375 annual fee, Pay Over Time APR (18.49%–27.49%), and spending requirement ($15,000 in 3 months).
    • Step 5: Submit the Application – Most applicants get an instant decision. Some may require additional verification.
  • Tips for a Successful Application:
    • Check your credit score and credit report before applying.
    • Use referral links or targeted offers for higher welcome bonuses.
    • Ensure your business and personal information is complete and accurate.
    • Have a valid EIN or SSN ready, even for sole proprietors.
  • Post-Application Steps:
    • Activate your card through the Amex website or app once approved.
    • Enroll in available benefits (e.g., Walmart+ credit, Flexible Business Credit).
    • Track eligible spending to meet the welcome offer threshold of $15,000 in 3 months.
  • Common Mistakes to Avoid:
    • Incomplete Application: Missing fields or incorrect financial details may lead to delays or rejection.
    • Ineligible Location: Amex may restrict applications to specific cities or regions in some countries.
    • Duplicate Bonus Attempt: Amex limits one welcome offer per card product per lifetime.

Eligibility Criteria for the American Express® Business Gold Card

  • Credit Score: A FICO score of 690 or higher is typically required. Amex emphasizes a history of on-time payments and no defaults.
  • Credit History: At least 2 years of solid personal credit history is preferred. Past issues like bankruptcies or late payments may still affect approval.
  • Business Structure: Available to sole proprietors, LLCs, corporations, and partnerships. Freelancers or side hustlers with verifiable income are also eligible.
  • Annual Business Revenue: No specific minimum is required, but higher revenue boosts approval chances. Amex asks for estimated annual revenue and monthly spend.
  • Employer Identification Number (EIN): Required for corporations/partnerships. Sole proprietors may use their SSN. Proper identification enhances credibility.
  • Income: Amex considers both personal and business income. While no stated minimum exists, higher income may qualify you for higher spending limits.
  • Employment Status: You must specify whether you are self-employed, salaried, or a business owner. Stability in employment supports approval.
  • Location: In the U.S., the card is widely available. In other countries, availability may be limited to specific cities or regions.
  • Age Requirement: Applicants must be at least 18 years old to apply legally for a credit card.
  • Card Ownership Limits: American Express permits up to 4 credit cards and 10 charge cards per individual. Exceeding this may require closing existing cards.
  • History with Amex: A positive history with Amex improves approval chances. Missed payments or frequent account changes can hurt your eligibility.
  • Payment Defaults: Applicants must have no recent payment defaults or delinquencies across any credit cards or loans.
  • Business Legitimacy: Proof of business operations (e.g., registration, invoices, or tax records) may be required, especially for newer businesses.
  • Geographic Eligibility: U.S. applicants must have a valid residential address and credit file. Other countries may have more restrictive criteria.
  • Personal Credit Report Accuracy: Ensure all details in your credit report are accurate. Errors can lead to unnecessary rejections.
  • Business Bank Account: Having a dedicated business bank account enhances your legitimacy and may support your approval.
  • Business Website or Online Presence: A business website, LinkedIn page, or other online presence adds to the credibility of your application.
  • Consistency in Application: Ensure business name, address, EIN/SSN, and income details match official records.
  • Welcome Bonus Eligibility: Amex follows a “once-per-lifetime” rule. If you’ve held the Business Gold Card before, you may not qualify for a welcome offer again.
  • Business Spend Justification: Applicants should be able to justify the card’s usefulness based on expected business-related expenses.
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Documents Required for the American Express® Business Gold Card

  • Personal Identification:

    Applicants must provide the following:

    • Government-issued photo ID: Driver’s license, passport, or state ID.
    • Social Security Number (SSN) for U.S. applicants (or local equivalent).
  • Business Identification:

    To confirm business legitimacy and structure:

    • Employer Identification Number (EIN) or SSN for sole proprietors.
    • Business registration documents such as:
      • Articles of Incorporation (for corporations).
      • Partnership Agreement (for partnerships).
      • DBA Certificate (if using a trade name).
      • Business License (as required by jurisdiction).
  • Proof of Address:

    Both personal and business address verification may be required:

    • Utility bill (electric, gas, or water – dated within last 60 days).
    • Bank statement showing name and address.
    • Lease agreement or property tax bill.
    • Government-issued document such as voter ID (for international applicants).
  • Income and Revenue Verification:

    Used to assess repayment capacity:

    • Personal Income:
      • Recent pay stubs (1–2 months).
      • W-2 or IRS Form 1040 (most recent year).
      • Bank statements showing income deposits.
    • Business Revenue:
      • Profit and Loss (P&L) statement.
      • Schedule C or full business tax returns.
      • Business bank account statements.
  • Additional Documents (If Requested):
    • Photograph (passport-size, mostly for international applicants).
    • Form 60 (for non-U.S. applicants without a tax ID in countries like India).
    • Visa or Work Permit (for foreign nationals applying in the U.S.).
    • Embassy-issued documents verifying identity/address (in special cases).
  • Submission Guidelines:

    Documents can be submitted via the following methods:

    • Online Submission: Upload through the Amex secure portal or email link.
    • Physical Submission: Occasionally required in international regions (e.g., India).
    • File Format: Clear, legible documents in PDF or image format (max 5MB).
  • Tips for Document Preparation:
    • Ensure consistency in name, address, and business identifiers across documents.
    • Use documents dated within the past 60–90 days to reflect recent activity.
    • Organize and retain copies of all business registration and income records.

Factors Influencing Approval for the American Express® Business Gold Card

  • FICO Score: A score of 690 or higher (good to excellent) is preferred. Amex prioritizes strong credit, especially consistent on-time payments and low utilization.
  • Payment History: A clean history with no late payments, defaults, or bankruptcies significantly boosts your chances. Amex may consider past issues, even from years ago.
  • Credit Utilization: Ideally below 30%. High utilization can signal financial stress, so paying down balances before applying is wise.
  • Annual Business Revenue: While no strict minimum is enforced, steady revenue improves approval odds. Newer businesses may still qualify if backed by strong personal income.
  • Years in Business: 1–2 years in operation signals stability. However, startups and side businesses can still be approved if they show legitimacy.
  • Business Industry Type: Stable or low-risk industries (e.g., consulting, tech) may be viewed more favorably. High-risk sectors could face closer scrutiny.
  • Personal Income: Higher income strengthens your application, proving your ability to manage payments. Amex considers both business and personal financials.
  • Debt-to-Income Ratio: A DTI under 36% is ideal. It reflects your capacity to handle additional debt responsibly.
  • Existing Amex Accounts: Positive relationships (long history, on-time payments) are a plus. Negative history may hinder approval, even if resolved.
  • Card Ownership Limits: Amex typically allows up to 4 credit cards and 10 charge cards per user. Exceeding this can block new approvals.
  • Accuracy of Application: Ensure consistency in business name, EIN, and revenue details. Inaccuracies may lead to denials or additional document requests.
  • Welcome Offer Eligibility: Subject to Amex’s “once-per-lifetime” policy. Prior holders of the Business Gold Card may not qualify for the welcome bonus.
  • Economic Conditions: During recessions or market uncertainty, Amex may impose stricter underwriting standards.
  • Geographic Eligibility: In the U.S., applicants must provide verifiable addresses. In other countries, Amex may restrict applications to select locations.
  • Pre-Qualification: Use Amex’s pre-qualification tools to gauge your chances without impacting your credit score. Offers here indicate better approval odds.
  • Strengthening Business Profile: Register your business, set up a dedicated bank account, and track even modest revenue to enhance credibility.
  • Business Credit Score: For established businesses, a solid business credit profile with agencies like Dun & Bradstreet can influence approval positively.
  • Existing Business Accounts: Having business checking or savings accounts with consistent transaction history adds to your financial reliability.
  • Amex Relationship Duration: Long-term American Express cardholders in good standing may enjoy higher approval rates and spending limits.
  • Spending Pattern Compatibility: If your projected spending matches Amex’s bonus categories (like shipping, advertising, or travel), it reflects strategic fit.
  • Previous Credit Inquiries: Multiple recent inquiries on your credit report may negatively impact your approval odds.
  • Business Location Type: Businesses operating from commercial premises may be viewed as more credible than home-based ventures, depending on the industry.

Frequently Asked Questions (FAQs) – American Express® Business Gold Card

1. What is the American Express® Business Gold Card?
The American Express® Business Gold Card is a premium charge card designed for small business owners, offering robust rewards, flexible spending, and business management tools. It features a dynamic rewards structure, earning 4X Membership Rewards® points on the top two spending categories each billing cycle (up to $150,000 annually), 3X points on travel booked through AmexTravel.com, and 1X points on other eligible purchases. It has no pre-set spending limit, includes a Pay Over Time option, and offers benefits like statement credits and travel protections.
2. What is the annual fee for the card?
The annual fee is $375. Up to two employee cards are included at no additional cost, with additional employee cards costing $75 each annually.
3. What is the welcome bonus for new cardholders?
New cardholders can earn a welcome bonus of 100,000 to 150,000 Membership Rewards® points after spending a specified amount (e.g., $15,000) on eligible purchases within the first three months. Targeted offers may provide higher bonuses (e.g., 200,000 points). Check the American Express website for the current offer, as terms vary.
4. What categories earn 4X points?
The card earns 4X points on the top two spending categories each billing cycle (up to $150,000 annually, then 1X), from these six U.S.-based categories: Restaurants, Gas stations, Advertising in select media (online, TV, radio), Electronic goods retailers and software/cloud system providers, Transit purchases (trains, tolls, taxis, ride-sharing), and Monthly wireless telephone service charges. The categories adjust automatically based on your highest spending each month.
5. How does the Pay Over Time feature work?
The Pay Over Time option allows cardholders to carry a balance on eligible charges with interest, up to a specified limit based on creditworthiness. The APR ranges from 18.49% to 27.49% (variable). This feature provides flexibility for managing large business expenses, unlike a traditional charge card requiring full payment each month.
6. What is the no pre-set spending limit feature?
The card has no pre-set spending limit, meaning spending power adjusts based on your payment history, credit record, and financial profile. While not unlimited, this flexibility supports businesses with fluctuating expenses. Large purchases may require pre-approval from American Express.
7. What statement credits are available?
The card offers up to $20 monthly credits ($240 annually) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (enrollment required); up to $12.95 monthly credits ($155 annually) for Walmart+ membership (excluding Plus Ups); and a $100 experience credit for a two-night minimum stay booked through The Hotel Collection via American Express Travel.
8. What travel benefits does the card offer?
Travel benefits include 3X points on flights and prepaid hotels booked through AmexTravel.com, secondary auto rental collision damage waiver, trip delay reimbursement for delays over six hours, and a $100 experience credit with The Hotel Collection.
9. What purchase protections are included?
The card offers purchase protection for eligible items purchased with the card, covering theft or damage within 90 days, typically up to $10,000 per occurrence in the U.S. (up to £2,500 per item in the UK). Ideal for protecting high-value business purchases.
10. Can I issue employee cards?
Yes, you can issue up to two employee cards at no additional cost, with additional cards costing $75 each annually. Employee cards earn the same rewards (4X, 3X, or 1X points) and allow customizable spending limits for budget control.
11. How can I redeem Membership Rewards® points?
Points can be redeemed for travel via AmexTravel.com, transferred to over 20 airline and hotel partners (e.g., Delta, Marriott), used for gift cards, or redeemed for statement credits. Transfers typically offer the best value (1–2 cents per point). Points do not expire if the account remains active.
12. What business management tools are available?
The card integrates with American Express @ Work® for expense tracking, customizable reports, and spending alerts. It also syncs with QuickBooks for seamless accounting, reducing administrative time. These tools help monitor budgets and categorize expenses efficiently.
13. Is there an introductory APR offer?
Yes, the card offers a 0% introductory APR on purchases for six months from account opening. Afterward, a variable APR (18.49%–27.49%) applies. This supports cash flow for businesses making large upfront investments.
14. How do I apply for the card?
To apply, visit www.americanexpress.com, find the Business Gold Card page, and complete the application. You'll need to provide your business name, EIN, revenue, and personal SSN and income. Most applicants receive a decision within 60 seconds. If approved, your card ships in 7–10 business days.
15. What credit score is required for approval?
A good to excellent credit score (FICO 690 or higher) is recommended. A strong payment history, no recent defaults, and sufficient income or business revenue also improve approval odds.