American Express Business Gold Card 2026 Review

Annual fee
£195
Rewards rate
4%-1%
Welcome Bonus
20,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:29.1% Variable APR

  • 4%Points on top two eligible categories
  • 1%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 4X points on the top two eligible spending categories where your business spends the most each billing cycle.

APR:

29.1% Variable APR

What sets the American Express Business Gold Card apart is its ability to earn 4X points on the top two spending categories, allowing businesses to maximize their rewards based on their unique spending patterns, making it a valuable tool for frequent spenders.

Pros:

  • High rewards on top spending categories
  • Flexible payment options

Cons:

  • High annual fee
  • APR can be steep
Apply now →

The American Express Business Gold Card is well-suited for businesses that have substantial expenses in specific categories, as it offers a competitive rewards structure with 4X points on the top two spending categories. With a moderate annual fee, this card may appeal to those who can leverage its benefits effectively to maximize their rewards potential.

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