Great for Maximizing Value

American Express<sup>®</sup> Business Gold Card
$295 Annual Fee¤
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†Offer Terms  |  ‡Benefit Terms
¤Rates & Fees  |  ♦AMEX Assurance Disclosures
16.49% (Prime Rate + 10.99%), 20.49% (Prime Rate + 14.99%), 24.49% (Prime Rate + 18.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.¤

Introducing

American Express® Business Gold Card

4X points that adjust to your spending.‡
Solutions to help meet your business needs.

Earn 4X Membership Rewards® points on the 2 select categories
where your business spends the most each month*

*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year

See Additional Details
Featured Benefits
Rewards Benefits
Expense Management
Travel Benefits
Shopping Benefits

Featured Benefits

Exclusive Offer
Get up to 1 year free of both G Suite Basic for up to 3 users and ZipRecruiter Standard

in the form of statement credits for purchases on the Card in your first 12 months of Card membership. That's a combined value of up to $3,188 when you sign up for both subscriptions.†
Flexible Payment Option¤‡

The Pay Over Time feature on the Card gives you the option to carry a balance with interest on purchases of $100 or more.*

How it works:

  • Purchases of $100 or more are eligible to be paid over time, up to the amount of your Pay Over Time limit on your account.
  • You can choose to pay for these purchases over time with interest, or you can pay your full balance, whichever is best for your business.

*All purchases under $100 are due in full each month.

25% Airline Bonus‡

Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year.‡

†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

Rewards Benefits

4X Points

Get 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below.

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
    (online, TV, radio)
  • U.S. purchases made directly from select
    technology providers of computer hardware,
    software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar.

Terms and limitations apply.‡

1X Points
Earn 1X points on other purchases.‡
†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

Expense Management

Connect to QuickBooks
Label and transfer your transaction data from your American Express online statement directly into your QuickBooks account.‡
Spend Manager℠
With the Spend Manager℠ Mobile App from American Express, you can easily add receipts and notes to your transactions. To get started: Download the Spend Manager℠ Mobile App. Snap a photo of your receipt and match it to your transaction. Use the time you save to focus on other priorities.‡
Year-End Summary
Get access to a Year-End Summary of charges so you can review your annual spending.‡
†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

Travel Benefits

Travel Accident Insurance♦
Help protect yourself and your family with Travel Accident Insurance♦. This can provide coverage for accidental death and dismemberment while traveling on a Common Carrier (e.g. plane, train, ship, or bus) when your entire fare has been charged to the eligible Card. Please read important exclusions and restrictions.
No Foreign Transaction Fees¤

Make international business purchases without foreign transaction fees.

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

Global Assist® Hotline
Whenever you travel more than 100 miles from home, we'll provide you with 24/7 emergency assistance coordination , including medical and legal referrals, visa/passport help, cash wires access, lost luggage assistance and more. Card Members are responsible for the costs charged by third-party service providers.‡
†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

Shopping Benefits

Extended Warranty♦
When you use your American Express® Card for eligible purchases, you can get up to two extra years* added to the original manufacturer’s warranty. Applies to warranties of 5 years or less. Please read important exclusions and restrictions.

*For residents of Indiana, Guam, Puerto Rico, and Northern Mariana Islands, Your coverage will match the original warranty period for warranties of less than one (1) year or provide one (1) additional year if the warranty is between one (1) and five (5) years.
Purchase Protection♦
Your new camera was stolen. You knocked over your new lamp moving your couch. Sometimes the unexpected happens. But when you use your Card for eligible purchases, it’s nice to know membership can help protect your purchases from accidental damage or theft for up to 120 days* from the moment you purchase them. Please read important exclusions and restrictions.

*For residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands coverage duration is 90 days.
Return Protection
If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price (excluding shipping and handling), up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.‡
†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

A Card You Can Count On

Did you know that American Express Business Cards come with more than just business benefits? Whether it's a lost suitcase or a flat tire, you can count on your Card to help you when you need it most.

Baggage Insurance Plan♦

Travel more comfortably knowing you can be covered by the Baggage Insurance Plan♦ for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on an eligible Card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Travel Accident Insurance♦

Help protect yourself and your family with Travel Accident Insurance♦. This can provide coverage for accidental death and dismemberment while traveling on a Common Carrier (e.g. plane, train, ship, or bus) when your entire fare has been charged to the eligible Card. Please read important exclusions and restrictions.

Dispute Resolution

If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡

Grow Your Business
with American Express

Access online tools and Card benefits designed to help your business grow. Explore some of the benefits included with every American Express Business Card.

Spend Manager℠

With the Spend Manager℠ Mobile App from American Express, you can easily add receipts and notes to your transactions. To get started: Download the Spend Manager℠ Mobile App. Snap a photo of your receipt and match it to your transaction. Use the time you save to focus on other priorities.‡

Employee Cards

Make sure you're getting the most out of your Business Card by adding Employee Cards, which come with tools that can help smooth your bookkeeping tasks and controls that help put your mind at ease. Request text or email alerts to see real time details of who's spending and how much. You can even freeze and unfreeze individual Cards.‡

Account Manager

Have a lot of employees? Assign an Account Manager‡ with Full Access to add new Employee Cards for you. Your Account Manager can set spending limits‡ and track the amount each employee spends with simple graphs available in your American Express Online Account.‡

Year-End Summary

Get access to a Year-End Summary of charges so you can review your annual spending.‡

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