American Express Business Gold Card 2026 Review

Annual fee
£195
Rewards rate
4%-1%
Welcome Bonus
60,000 points
Apply Now →on American Express's website
Regular APR:17.74%-28.49%

  • 4%Points on top spending categories
  • 1%Points on all other purchases

Welcome Bonus:

Earn 60,000 Membership Rewards points after spending £6,000 in the first three months.

Reward Rate:

Earn 4x points on top spending categories.

APR:

17.74%-28.49%

The standout feature here is the ability to earn 4x points on top spending categories, making the American Express Business Gold Card an excellent choice for businesses that frequently incur expenses in those areas.

Pros:

  • High rewards on top spending categories
  • Flexible payment options

Cons:

  • Requires full balance repayment
  • Annual fee applies after the first year
Apply now →

The American Express Business Gold Card is well-suited for small to medium-sized businesses that regularly engage in spending within the top categories eligible for the 4x points reward rate, as well as those looking to benefit from a substantial welcome bonus. However, the annual fee and reliance on American Express acceptance should be considered when evaluating its overall value for your business needs.

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