Great for Maximizing Value

American Express® Business Gold Card
$295 Annual Fee¤
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†Offer Terms  |  ‡Benefit Terms
¤Rates & Fees  |  ♦AMEX Assurance Disclosures
APR on purchases will be a variable rate, currently 15.74% - 23.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤

American Express® Business Gold Card

Welcome Offer
Earn 35,000 Membership Rewards® Points

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.†

Explore All the Benefits of the Business Gold Card®

Featured Benefits
Rewards Benefits
Expense Management
Travel Benefits

Featured Benefits

Welcome Offer - 35,000 Membership Rewards® Points

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.†

Flexible Payment Option¤‡

The Pay Over Time option lets you 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‡

Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back.‡ Either book any class flight with your selected qualifying airline, or a First or Business class flight. You can get up to 250,000 points back per calendar year.

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

Rewards Benefits

4X Points

Earn 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below, plus earn 1X on other purchases.

  • 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
on other purchases‡
Terms and limitations apply.‡
†Offer Terms  |  ‡Benefit Terms  |  ¤Rates & Fees  |  ♦AMEX Assurance Disclosures

Expense Management

Connect to QuickBooks®
Get the details you need – access more information on Card transactions from your QuickBooks, such as flight dates and vendor identification.‡
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

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

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.

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.‡

Online Statements

View your purchase history, prepare reports, and budget your expenses.

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. Enroll an Account Manager.‡

Year-End Summary

Get access to a Year-End Summary of charges so you can review your annual spending. Learn more at americanexpress.com/yes.‡

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ALL BUSINESS CARDS FROM AMERICAN EXPRESS

The Business Platinum Card<sup>®</sup> from American Express
The Business Platinum Card®
Learn More
American Express® Business Gold Card
Business Gold Card
Learn More
The Plum Card® from American Express
The Plum Card®
Learn More
Business Green Rewards Card from American Express
Business Green Rewards Card
Learn More
American Express <br />Blue Business Cash<sup>™</sup> Card
American Express
Blue Business Cash™ Card
Learn More
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card
Learn More
Marriott Bonvoy Business<sup>™</sup> American Express<sup>®</sup> Card
Marriott Bonvoy Business™ American Express® Card
Learn More
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Learn More
Gold Delta SkyMiles® Business Credit Card
Gold Delta SkyMiles® Business Credit Card
Learn More
Platinum Delta SkyMiles® Business Credit Card
Platinum Delta SkyMiles® Business Credit Card
Learn More
Delta Reserve for Business Credit Card
Delta Reserve for Business Credit Card
Learn More
The Lowes Business Rewards Card
The Lowes Business Rewards Card
Learn More

Business Gold Card Benefits

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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.

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

Organizing your expenses can be a time-consuming task. That’s why we provide a Year-End Summary of charges to help you manage your account online. It’s one of many features that come with carrying a Business Card from American Express.‡

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

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.‡

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