American Express® Business Gold Card 2026 Review

Annual fee
$375
Rewards rate
4%-1%
Welcome Bonus
100,000 Membership Rewards® points
Apply Now →on American Express's website
Regular APR:17.74%-28.49% Variable APR

  • 4%Membership Rewards® points on top two eligible spending categories
  • 1%Membership Rewards® points on all other purchases

Welcome Bonus:

Earn 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months.

Reward Rate:

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

APR:

17.74%-28.49% Variable APR

The American Express® Business Gold Card is ideal for businesses that spend heavily in varying categories, allowing for maximized rewards on their most significant expenses.

Pros:

  • High rewards on flexible spending categories
  • Annual statement credits

Cons:

  • Annual fee
  • Spending limit on bonus categories
Apply now →

The American Express® Business Gold Card is well-suited for businesses with diverse spending needs, particularly those that can capitalize on its high reward rates in multiple categories. With a substantial annual fee and a significant welcome bonus, it may be particularly beneficial for companies looking to leverage their expenses into valuable Membership Rewards® points.

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