Amex Business Gold

Earn up to 200,000 Membership Rewards points when you spend $15,000 on eligible purchases within your first 3 months of card membership. Points are deposited after you hit the spending threshold. Eligibility varies based on your account history with American Express.

Every eligible purchase that doesn't qualify for a higher bonus category earns 1X Membership Rewards point per dollar. This base rate applies automatically across all spending with no tracking or enrollment needed.

Use your Business Gold Card to book travel through AmexTravel.com or the Amex Travel app and earn 3X Membership Rewards points on those purchases. This applies to flights, hotels, and other eligible travel booked directly through Amex's travel platforms.

The card automatically identifies the two eligible categories where you spend the most each billing cycle and rewards you with 4X Membership Rewards points in those areas. The six eligible categories include U.S. restaurants, gas stations, wireless service, transit, electronic goods/software, and select media advertising. The 4X rate applies to the first $150,000 in combined purchases across your top two categories per calendar year.

Each billing month, the card automatically identifies the two eligible categories where you spend the most and rewards you with 4X Membership Rewards points in those categories. The six eligible options include U.S. restaurants, gas stations, electronic goods and software, advertising, wireless service, and transit. A spending cap applies.

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.

Enjoy dedicated entrances or fast lanes at select stadiums and arenas, plus get 10% back on qualifying concessions purchases up to $250 per calendar year. Enroll your card to activate the concessions credit before attending events.

Get up to $300 back per calendar year on U.S. purchases of ChatGPT Business subscriptions charged to your Business Gold Card. Enroll your card to activate the credit before making eligible purchases.

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.

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.

When you book a minimum two-night stay at an Amex Hotel Collection property through AmexTravel.com using your Business Gold Card, you receive a $100 property credit to use toward eligible on-site charges during your stay. The credit is applied by the hotel and cannot be taken as cash.

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.

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.

Covers out-of-pocket expenses when a covered reason delays your trip by more than 12 hours. The round-trip fare must be purchased entirely with your Business Gold Card to qualify.

Covers lost, damaged, or stolen baggage when traveling on a common carrier (plane, train, ship, or bus). Charge the entire fare to your eligible card to activate coverage. Coverage limits and exclusions apply.

Protects eligible card purchases against breakage or theft for up to 90 days from the purchase date. Use your eligible card to make the purchase — no separate enrollment needed. Coverage limits apply; check your terms for exclusions.

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.

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.

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.

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.

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.

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.

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

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.

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.

Add up to 99 Employee Cards at no additional annual fee and earn Membership Rewards points on eligible employee purchases. Use spending alerts and summary reports to keep track of how employees use their cards.

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.