Points · American Express · $375 annual fee
Last verified 2026-09-09. Review issuer source
American Express Business Gold is a $375-a-year points card from American Express. Its best everyday rates are 4x on advertisements, 4x on cloud providers, and 4x on dining; everything else earns 1x. The 3x rate applies only to air travel booked through amextravel.com, so treat it as a bonus rather than the reason to apply. Advertisements is capped at $150,000 a year, then drops to the base rate.
On our reference budget of $73,200 a year it earns $1,848, which clears the $375 fee with $1,473 to spare before any credits or perks. The welcome bonus, 100,000 points after $15,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: purchases at US media providers for advertising in select media (online, TV, radio). Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from software & cloud system providers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at restaurants, including takeout and delivery. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from electronic goods retailers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at gas stations. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from software & cloud system providers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Tolls. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: purchases at US media providers for advertising in select media (online, TV, radio). Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from software & cloud system providers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at restaurants, including takeout and delivery. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from electronic goods retailers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at gas stations. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases made from software & cloud system providers. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Tolls. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Cap: $150,000 per annual
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter).
Earn 3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.
Earn 3X Membership Rewards® points on prepaid hotels booked on amextravel.com using your Business Gold Card
Earn 100,000 Membership Rewards® Points after you spend $15,000 on eligible purchases with your Card in the first 3 months of Card Membership
Showcase your business. Create a customizable website or online store with an all-in-one solution from Squarespace. Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.
Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.
Get more for your business purchases. Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240.
Card Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
You can be reimbursed, the lesser of, your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account.
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
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 experience credit, to spend on qualifying dining, spa and resort activities. Qualifying activities vary by property Room upgrade upon check-in only, when available. Certain room categories are not eligible for upgrade.
Trip Delayed? If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Business GoldThis card · 4x on advertisements | $375 | $1,848 | +$1,473 | 7th of 752 |
| The American Express® Graphite™ Business Cash UnlimitedAmerican Express's most-held other card · 2% on everything | $295 | $1,644 | +$1,349 | 12th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
