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You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Full benefits & perks
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, 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 each billing cycle will count towards the $150,000 cap
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- The Hotel Collection benefits: With The Hotel Collection, receive elevated benefits when you book a minimum two-night stay through AmexTravel.com, including a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges, and room upgrade upon arrival, when available.
- No foreign transaction fees
Terms apply. Enrollment is required for certain benefits.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughts
We always have at least one of these cards open at all times. The fee is manageable, it has decent credits, and the welcome offer earns a ton of points. The 4x on your top two spending categories adapts to how you actually spend, which makes it a really smart everyday card. If you have a side hustle or small business, this one belongs in your wallet.
How to use your points
This card earns Membership Rewards® — some of the most flexible points out there. Here are some of the best ways to use them:
- Transfer to any of Amex's 21 airline and hotel partners — see all Amex partners
- Transfer to Air France Flying Blue for flights to Europe — learn about Flying Blue
- Transfer to Hilton at a 1:2 ratio
- Book flights and hotels through Amex Travel
A smart, flexible business card that adapts to how you actually spend money.
- The 4x on your top two categories automatically adjusts each month — no thinking required
- We always have at least one of these open — it's a staple in our card strategy
- The fee is reasonable and the credits help offset it
- Best opened before the Business Platinum due to Amex family language rules
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.