THE CARDTUNED DATABASE
American Express Business Gold Card
Issuer: American Express
4X in the top 2 eligible business categories each billing cycle up to $150,000/year; 3X flights and prepaid hotels booked through Amex Travel; 1X other eligible purchases
- Annual fee
- $375
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- 17.74%–28.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
As high as 200,000 Membership Rewards points after $15,000 in purchases in the first 3 months; offer varies
- Spending requirement
- $15,000 in purchases
- Time window
- the first 3 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 4X | in the top 2 eligible business categories each billing cycle up to $150,000/year 4X capped at $150,000 in combined eligible-category purchases per calendar year |
| Flights & Hotels | 3X | flights and prepaid hotels booked through Amex Travel |
| Other purchases | 1X | other eligible purchases |
Additional benefits
• Up to $240 Flexible Business Credit, issued as up to $20 monthly at eligible U.S. partners; FedEx eligibility runs through October 1, 2026; enrollment required
• Up to $300 annual ChatGPT Business Credit on eligible U.S. subscription purchases; enrollment required
• Up to $150 annual Squarespace Credit on eligible U.S. purchases; enrollment required
• Up to $155 annual Walmart+ Credit for one eligible monthly membership; enrollment and auto-renewal terms apply
• Gold, Rose Gold or White Gold Card-design choice at application
Restrictions to know
4X applies only to the top 2 eligible categories per billing cycle and is capped at $150,000 in combined purchases per calendar year, then 1X. Flexible Business Credit is capped monthly; FedEx eligibility ends October 1, 2026.
Who can apply
U.S. small-business application
Credit profile: Good–Excellent / issuer underwriting applies