Earn Rewards that Take Your Business Further
American Express® Business Gold Card
Earn 70,000 Membership Rewards® Points
after you spend $10,000 on eligible purchases with your Card in the first 3 months.†
APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
The Business Platinum Card®
Earn 150,000 Membership Rewards® Points
after you spend $20,000 in eligible purchases on the Card within your first 3 months of Card Membership. †
APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Why American Express
20 YEARS
American Express has supported small businesses, like yours, for over 20 years.
See how you can turn opportunity into growth with products and services from American Express® Business Cards.
99% OF PLACES
Tap, swipe, insert, or checkout. American Express can now be accepted at 99% of places in the US that accept credit cards.*
*Based on Feb 2022 Nilson Report.
AMERICAN EXPRESS®
APPTake advantage of your Membership with the Amex® App. Track your spending and rewards, find nearby offers, and stay on top of payments virtually anywhere you go.‡
Get a decision in as little as 30 seconds
1-844-787-1743
Compare Cards to find the best one for your business.
American Express® Business Gold Card
APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Earn 70,000 Membership Rewards® Points
after you spend $10,000 on eligible purchases with your Card in the first 3 months.†
Great For
Growth stage businesses
Earning flexible rewards
Everyday business categories
Featured Benefits
4X Points
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 categories:
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Purchases at U.S. media providers for advertising in select media (online, TV, radio)
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
While your top 2 categories may change each billing cycle based on where your business spent the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap.1X Points
on other purchases
Terms and limitations apply.‡
Travel with More Confidence
3x Points
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com.
The Business Platinum Card®
APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Earn 150,000 Membership Rewards® Points
after you spend $20,000 in eligible purchases on the Card within your first 3 months of Card Membership. †
Great For
Frequent Flyers
Airport Lounge Access
Big & Small Business Expenses
- Pay Over Time Option‡
The Pay Over Time feature lets you carry a balance with interest on eligible purchases.
How it works:
Eligible charges will be automatically added to your Pay Over Time balance, up to your PayOver Time Limit. Your Limit is the maximum amount you can pay overtime with interest. You must pay in full each month any charges not included in your Pay OverTime balance. Any charges that would cause the total balance to exceed your Pay OverTime Limit will be due in full each month. When it's time to pay your bill, you can pay your balance in full, the minimum due, or any amount in between each month. Carrying a balance will result in you incurring interest. Pay Over Time gives you the ability to carry a balance and pay off eligible purchases, overtime, with interest. Pay Over Time is a feature that gives your business the ability to carry a balance and pay off eligible purchases, with interest. Upon Card approval, you automatically have access to Pay Over Time. At that time, you are assigned an Annual Percentage Rate and a Pay Over Time Limit, which represents the maximum you can revolve at any given time
Featured Benefits
5X Membership Rewards® Points
on Flights and Prepaid Hotels Booked on AmexTravel.com‡
1.5X Membership Rewards® Points per Dollar
Earn 1.5X points for every dollar spent (an extra half point per dollar) on: Eligible purchases at US: Construction material and hardware suppliers, Electronic goods retailers and software & cloud system providers, Shipping providers. Each eligible purchase of $5,000 or more everywhere else.‡
Earn 1.5X on up to $2 million of these purchases per calendar year.‡
To learn more about spending categories, visit www.americanexpress.com/rewards-info1X Membership Rewards® Points
on other purchases
Terms and limitations apply.‡Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership after renewal with your Business Platinum Card. Enrollment required.
Travel with More Confidence
The Global Lounge Collection‡
You deserve choices. With the American Express Global Lounge Collection® get access to plenty, including 1,400+ airport lounges in over 500 airports around the world. Whether you’re looking for a place to rest and recharge or somewhere to catch up on work, enjoy our growing network of lounges across 140 countries and counting.
Fine Hotels + Resorts
When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts®. When you book through American Express Travel, you’ll receive an average total value of $600[1] in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards® points, or use Pay with Points, on prepaid stays.
1 Average value based on Fine Hotels + Resorts bookings in 2022 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available,$100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits
AMERICAN EXPRESS® BUSINESS CARD BENEFITS
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.‡
Account Alerts
American Express® Business Card Members can set Account Alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use.
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.‡
Online Statements
View your purchase history, prepare reports, and budget your expenses.
American Express® App
Take advantage of your Membership with the Amex® App. Track your spending and rewards, find nearby offers, and stay on top of payments virtually anywhere you go.‡
Dispute Resolution
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡