American Express

Amex Business Gold

AMERICAN
EXPRESS

🇺🇸 United States · American Express

Amex Business Gold

Name: Amex Business Gold
Brand: American Express
Rating: 4.5 (50 reviews)

Small businesses, 4x on top 2 spend categories from a list of 6.

4.5 / 5

Joining fee

Annual fee

$375

Top reward

Min income

None stated

Apply at American Express ← Back to all cards

External link to American Express’s own application page.

The Amex Business Gold costs $375 a year. It earns 4% on shopping and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Amex Business Gold actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$396

Annual fee−$375

Welcome bonus (year 1 only)+$10,000

Cumulative net value

+$10,105

over 5 years

Year 1

$10,021

+$10,021/yr

Year 2

$10,042

+$21/yr

Year 3

$10,063

+$21/yr

Year 4

$10,084

+$21/yr

Year 5

$10,105

+$21/yr

Year 1 (with bonus)

$10,021

Year 2+ (steady state)

$21/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Amex Business Gold earn?

What you earn back, by category.

shopping

📈

Everything else

📈

🎁

Welcome bonus

70,000 Membership Rewards points after $10,000 spend in 3 months

What do you get with the Amex Business Gold?

4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
$20 monthly FedEx + Grubhub credit
$240 Amex Business Line of Credit access
No foreign transaction fees

Who qualifies for the Amex Business Gold?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

No stated requirement

Min credit score

720+

Self-employed

Eligible

Points value

What 1 Amex Business Gold point is actually worth

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for Amex Business Gold: