American Express® Business Gold Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

American Express® Business Gold Card4.6/5

American Express

Annual fee
$375
Rewards rate
4%-1%
Welcome Bonus
200,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:17.74%-28.49% Variable APR

  • 4%Points on top two eligible business spending categories
  • 3%Points on flights and hotels booked via Amex Travel
  • 1%Points on all other purchases

Welcome Bonus:

Earn 200,000 Membership Rewards points after spending $15,000 in the first 3 months.

Reward Rate:

Earn 4X points on your top two eligible business spending categories, 3X on flights and hotels booked via Amex Travel, and 1X on everything else.

APR:

17.74%-28.49% Variable APR

The standout feature of the American Express® Business Gold Card is its ability to earn 4X points on your top two eligible business spending categories, making it an excellent choice for businesses with varied expenses. This flexibility, combined with a generous welcome bonus, makes it a strong contender for business owners.

Pros:

  • High rewards on top spending categories
  • Flexible spending limit

Cons:

  • Annual fee is significant
  • Requires tracking of spending categories
Apply now →

The American Express® Business Gold Card is particularly suitable for business owners who frequently engage in diverse spending categories, as it allows for significant rewards on the top two categories of their choice. With a notable welcome bonus and a higher earning potential on selected expenses, this card can effectively support businesses looking to maximize their rewards strategy.

Frequently Asked Questions