American Express Business Gold Card 2026 Review

Annual fee
£195
Rewards rate
2%-1%
Welcome Bonus
20,000 points
Apply Now →on American Express's website
Regular APR:29.1% Variable APR

  • 2%Membership Rewards points on American Express Travel
  • 1%Membership Rewards points on all other purchases

Welcome Bonus:

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

Reward Rate:

Earn 2X points for every £1 spent on American Express Travel.

APR:

29.1% Variable APR

The standout feature of the American Express Business Gold Card is its accelerated earning potential in key spending categories, making it a valuable tool for small business owners looking to maximize their rewards.

Pros:

  • Strong earning potential
  • Flexible statement credits

Cons:

  • Annual fee after the first year
  • Requires higher spending to maximize rewards
Apply now →

The American Express Business Gold Card is ideal for small business owners who frequently spend in popular categories such as travel, advertising, and restaurants, as it offers enhanced rewards in these areas. However, the annual fee and the need for responsible credit management may make it less suitable for businesses with lower spending or those seeking a no-fee option.

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