American Express Business Gold Card 2026 Review

Annual fee
£195
Rewards rate
4%-1%
Welcome Bonus
20,000 points
Apply Now →on American Express's website

  • 4%Points on top business categories
  • 3%Points on flights/prepaid hotels
  • 1%Points on other purchases

Welcome Bonus:

Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months.

Reward Rate:

Earn 4X points on the top two eligible spending categories each billing cycle.

The American Express Business Gold Card stands out as the top choice because it allows businesses to earn 4X points on their most significant spending categories, maximizing rewards potential. This card is particularly beneficial for those who want to optimize their expenses while enjoying substantial rewards.

Pros:

  • Earn 4X points on top business categories
  • Ideal for businesses that frequently spend in those areas

Cons:

  • High annual fee
  • Spending threshold for bonus points
Apply now →

The American Express Business Gold Card is well-suited for small to medium-sized businesses that frequently incur substantial expenses in specific categories, enabling them to take advantage of the elevated rewards rate. With its annual fee and emphasis on maximizing points for significant spending, this card can be a valuable tool for business owners looking to enhance their rewards strategy.

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