Great for Maximizing Value
$295 Annual Fee¤
APR on purchases will be a variable rate, 14.24% - 22.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
American Express® Business Gold Card
Featuring a Sleek Metal Card
You’ll earn 4X Membership Rewards®points on the 2 select categories where your business spends the most each month*, automatically. It’s a Business Gold perk that does the extra work for you.‡
*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year.
How 4X Points Works‡
4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year. Then earn 1 point per dollar.
To learn more about spending categories, visit www.americanexpress.com/rewards-info
$295 Annual Fee¤
APR on purchases will be a variable rate, 14.24% - 22.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Explore All the Benefits of the Business Gold Card®
Featured Benefits
Rewards Benefits
Expense Management
Travel Benefits
All Business Cards from American Express
Business Gold Card Benefits
Rewards Benefits
Earning Membership Rewards®
The Membership Rewards® program keeps it simple. Just use your Card for purchases, large or small, and watch the points add up. Plus, there’s no limit to how many points you can earn, and don’t worry about expiration dates because there aren’t any.‡
Redeeming Membership Rewards®
The Membership Rewards® program offers a breadth of exceptional rewards and the most point transfer partners, of any major U.S. credit card loyalty program.‡
Travel & Transportation perks and protection when you’re doing business on the road
The Hotel Collection‡
Book The Hotel Collection with American Express Travel and get the following benefits at participating properties when you stay at least two consecutive nights:
• $100 hotel credit, to spend on qualifying dining, spa, and resort activities.
• Room upgrade upon arrival, when available.
• $100 hotel credit, to spend on qualifying dining, spa, and resort activities.
• Room upgrade upon arrival, when available.
Global Assist® Hotline‡
Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card Member can make things easier. Global Assist® Hotline‡ can help you prepare for your trip with customs information and more. And while you’re traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are a phone call away. Card Members are responsible for the costs charged by third-party service providers.
The Travel Collection by Travel Leaders Group‡
Planning your next business trip? Get access to travel discounts and amenities when you enroll in The Travel Collection by Travel Leaders Group at no additional cost. To learn more visit TheTravelCollection.com or call a Travel Collection Specialist to enroll at 877-485-8053 between 8am and 12am ET Monday through Friday or between 9am and 6pm ET on Saturdays and Sundays.‡
Car Rental Loss and Damage Insurance♦
As a Card Member, you can be covered if your eligible rental car is damaged or stolen when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
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 your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Even More Benefits for Card Members
Dispute Resolution
We will work with you to help resolve the issue if there is a fraudulent or incorrect charge on your statement.‡
Amex Offers
Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding.
Relationship Care® Service
Get round the clock, world-class customer support from our special brand of Relationship Care® service. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support. We are committed to serving your unique needs and helping you unlock the power of your Card.
Expense Management Tools to help you track and organize expenses
American Express® Business App
With the American Express® Business App, you can easily add receipt images, add notes and categorize your transactions. To get started: Download the Amex® Business 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.‡
Employee Cards‡
Add Employee Cards to earn rewards‡ on employee purchases and stay on top of expenses with spending limits‡, alerts, and summary reports. The Business Gold Card offers an Employee Card option with no annual fee.
Account Manager
Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Cards, so you’re free to focus on other priorities.‡
Account Alerts
American Express Business Card Members can set Account Alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use.
Online Statements
View your purchase history, prepare reports, and budget your expenses.
Mobile and Tablet Apps
Easily manage your account, pay your bill, check your balance, view your benefits and more from your mobile phone or tablet.
Vendor Pay by Bill.com‡
You can make the most out of paying your business bills. Improve your cash flow and take advantage of Card benefits when you use your Card to pay bills with Vendor Pay by Bill.com. Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user. Additional fees may apply based on plan type and number of users.
Working Capital Terms Program‡
Access additional funding beyond what you can spend on Business Gold with our Working Capital Terms program, a flexible funding solution designed to pay vendor invoices directly when cards are not accepted.
Easily opt in with no additional credit check or collateral required to fund vendor payments. Pick your term of 30, 60, or 90 days and we will pay your vendor up front for a corresponding low fixed-fee as low as 0.6%, 1.2%, or 1.8%.*
Easily opt in with no additional credit check or collateral required to fund vendor payments. Pick your term of 30, 60, or 90 days and we will pay your vendor up front for a corresponding low fixed-fee as low as 0.6%, 1.2%, or 1.8%.*