Amex Business Gold Benefits, Credits & Annual Fee

• American Express Venue Collection Concessions Statement Credit$250 / yrTrackableEnrollment required

  Get 10% back, up to $250 in statement credits per calendar year, on qualifying food and drinks at American Express Venue Collection stadiums and arenas. Enroll your Card and use it at participating concessions. Only one Card per Card Member can be enrolled; the offer ends December 31, 2026.

  Resets: Calendar yearChecked Oct 2, 2026
• ChatGPT Business Subscription Credit$300 / yrTrackable

  Get up to $300 back per calendar year as a statement credit on U.S. purchases of a ChatGPT Business subscription. Pay with your Business Gold Card and enroll to activate the benefit. Credit resets each calendar year.

  Resets: Calendar yearChecked Sep 24, 2026
• Flexible Business Credit (FedEx, Grubhub, Office Supply Stores)$20 / moTrackableEnrollment required

  Get up to $20 back per month as a statement credit on eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores - worth up to $240 per year. Enrollment is required to activate this credit.

  Resets: MonthlyChecked Sep 25, 2026
• Walmart+ Monthly Membership Credit$12.95 / moTrackable

  Get up to $12.95 back each month when you pay for a Walmart+ monthly membership with your Business Gold Card. Covers one membership per month, excluding Walmart+ Plus Ups. Applicable taxes are also covered.

  Resets: MonthlyChecked May 6, 2026
• Squarespace Statement Credit$150 / yrTrackableEnrollment required

  Enroll your card, then use it for U.S. Squarespace purchases to receive up to $150 back as a statement credit per calendar year. The credit resets each January. Keep in mind that Squarespace subscriptions typically auto-renew, so cancel before renewal if you don't want to be re-billed.

  Resets: Calendar yearChecked Sep 25, 2026

Travel Benefits

• The Hotel Collection Room Upgrade

  Get a room upgrade when you arrive at a Hotel Collection property. Ask about the upgrade at check-in during your eligible stay. Upgrades depend on availability at arrival, so a higher room category is not guaranteed.

  Checked Sep 26, 2026
• The Hotel Collection Late Check-out

  Get a 4 p.m. late checkout with a qualifying The Hotel Collection booking. Ask the hotel about late checkout during your stay. The later checkout depends on availability and is not guaranteed.

  Checked Sep 27, 2026
• Hotel Collection Property Credit$100

  Receive a $100 property credit toward eligible on-site charges when you book a minimum two-night stay at a Hotel Collection property through amextravel.com. The credit is per eligible stay (not an annual capped credit) and is applied by the hotel.

  Checked Sep 14, 2026
• Lowest Hotel Rates Guarantee

  Get the price difference refunded if you find a lower qualifying online rate after booking a hotel through AmexTravel.com or the Amex Travel App. Submit a claim for the identical room and dates. Guest count, rate type, cancellation, change, refund, and deposit policies must also match; rates are compared before taxes and fees.

  Checked Sep 27, 2026
• Membership Rewards Pay with Points at AmexTravel.com

  Use Membership Rewards points to pay for eligible American Express Travel purchases. Choose Pay with Points when booking and charge the purchase to a Membership Rewards-enrolled American Express Card. Only qualifying bookings and enrolled Cards can use this option.

  Checked Sep 27, 2026
• The Hotel Collection Early Check-in

  Get a noon check-in with a qualifying The Hotel Collection booking. Request early check-in at the hotel when you arrive. Noon check-in depends on availability and is not guaranteed.

  Checked Sep 27, 2026

Rental Car

• Premium Car Rental ProtectionEnrollment required

  Enrollment-based primary coverage for theft of or damage to a rental vehicle, plus excess medical coverage for injuries sustained in an accident. Enroll your card and pay the full rental charge to activate. Does not include liability coverage; fees and coverage limits apply.

  Checked May 20, 2026
• Car Rental Loss and Damage Insurance

  Covers damage to or theft of a rental car when you pay for the entire rental with your card and decline the collision damage waiver (CDW) at the counter. This is secondary coverage and does not include liability. Rentals in Australia, Italy, and New Zealand are not covered.

  Checked Sep 26, 2026

Travel Insurance

• Trip Delay Insurance

  Get reimbursed up to $300 per trip for certain extra expenses after a covered delay of more than 12 hours. Pay for the entire round-trip and the additional expenses with your eligible Card. Coverage is limited to two claims per Card in any 12 consecutive months.

  Checked Sep 26, 2026
• Baggage Insurance Plan

  Get coverage for lost, damaged, or stolen baggage on eligible trips. Pay the entire plane, train, ship, or bus fare with your eligible Card. Coverage is up to $1,250 for carry-on and $500 for checked baggage, beyond the carrier's coverage; a $10,000 trip-wide aggregate limit applies to New York residents.

  Checked Oct 7, 2026

Bonus Earnings

• 4X Points on Top 2 Eligible Categories Each Month4x points

  Earn 4X Membership Rewards points on your two highest-spend eligible categories each billing cycle, automatically identified from six qualifying categories. No action needed - the top two are calculated for you each month. The 4X rate applies to up to $150,000 in combined spending across these categories per calendar year.

  Checked Oct 7, 2026
• 2X Points on short-term rentals, car rentals, or cruise reservations on AmexTravel.com2x points

  Earn at least 2 Membership Rewards points per dollar on eligible travel purchases through Amex Travel. Book through AmexTravel.com or the Amex Travel App with a Membership Rewards-enrolled Card. The rate includes the base point plus at least one additional point per dollar.

  Checked Sep 30, 2026
• 3X Earning on flights and prepaid hotels on AmexTravel.com3x points

  Earn 3X Membership Rewards points on flights and prepaid hotels booked on AmexTravel.com (or the Amex Travel app) with the Business Gold Card.

  Checked Sep 27, 2026
• 1X Base Earning Rate1x points

  Earn 1X Membership Rewards point per dollar on all other eligible purchases made with the Business Gold Card.

  Checked Sep 14, 2026
• Membership Rewards® Program - Transfer Points

  Use your Membership Rewards points to cover eligible charges that appear on your Business Gold Card statement. Select the charge you want to offset through the American Express app or website to redeem.

  Checked May 20, 2026

Purchase Protection

• Purchase Protection

  Get coverage if an eligible purchase is stolen or accidentally damaged within 90 days. Charge the purchase to your eligible Card. Coverage is limited to $1,000 per purchase and $50,000 per Card Member account each calendar year; exclusions apply.

  Checked Oct 7, 2026
• Cell Phone Protection

  Covers repair or replacement of a damaged or stolen cell phone for up to $800 per claim. Pay your wireless bill with your Business Gold Card to qualify. A $50 deductible applies, and claims are capped at 2 per 12-month period.

  Checked Oct 7, 2026
• Extended Warranty

  Adds up to one extra year to the original manufacturer's warranty on eligible purchases. Applies to items with existing warranties of five years or less bought in the U.S. or its territories and paid for with your eligible card.

  Checked Oct 7, 2026

Concierge & Membership

• Global Assist® Hotline

  Reach a 24/7 hotline for emergency assistance - including medical and legal referrals, emergency cash wires, and missing luggage help - whenever you travel more than 100 miles from home. Third-party service costs are your responsibility.

  Checked Sep 26, 2026
• Relationship Care® Service

  Get dedicated customer service support from American Express representatives trained to handle business card accounts. Reach them by phone, chat, or the Amex app for account questions, disputes, or general assistance.

  Checked May 20, 2026

Entertainment

• Amex Special Ticket Access

  Get access to buy presale and reserved tickets for select sports, music, and entertainment events before they go on sale to the general public. Log into your Amex account to view available events and purchase tickets. Additional on-site perks may apply at select venues.

  Checked May 20, 2026

Fees & Miscellaneous

• Amex Offers for BusinessEnrollment required

  Get targeted statement credits or bonus rewards on purchases at select business-relevant merchants. Log in to the Amex app or americanexpress.com, add an offer to your card, then make a qualifying purchase to redeem. Available offers rotate and vary by cardholder.

  Checked May 6, 2026
• No Preset Spending Limit

  Your Business Gold Card has no fixed spending limit. Use it for purchases as needed, but check your available spending power for larger charges. What you can spend adjusts based on factors including your purchase, payment, and credit history; approval is not unlimited.

  Checked Sep 26, 2026
• No Foreign Transaction Fees

  Pay no foreign transaction fees on purchases made outside the U.S. with your Business Gold Card.

  Checked May 6, 2026
• Authorized User Annual Fee$95 / yr

  You can add authorized employee cardholders to your Business Gold account for $95 per card per year, starting with the first card added. Each employee card earns Membership Rewards points on eligible purchases, and you can track spending through alerts and summary reports.

  Checked May 6, 2026
• Account Manager

  Appoint a trusted team member as an Account Manager to help run day-to-day card tasks on your behalf. Account Managers can make payments and review transactions without being a cardholder.

  Checked May 6, 2026
• Pay Over Time Feature

  Carry a balance on eligible purchases instead of paying the full amount each billing cycle. This gives you flexibility to manage cash flow when needed. Terms and limitations apply.

  Checked May 6, 2026