4.5
/5
American Express
American Express® Business Gold Rewards CardBusiness Points Calculator
Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year
Our Take
The American Express® Business Gold Rewards Card is an excellent choice for business owners who also travel seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options.
Business Spending
Foreign currency
$
$
Everything else
$
Anything not listed here
Travel
$
$
$
$
$
$
Day-to-Day
$
$
$
$
$
Services & Bills
$
$
$
$
Employee cards
Leave empty to skip. When set, their fees come off the card's value.
Card Details
Based on $4,000 monthly business spending
Annual rewards
$915.19
in American Express Membership Rewards points a year
Welcome bonus
$1,330
first year only
Annual fee
$199
FX fees
$180
2.5% on $600/mo
First-year value
$1,866.19
$536.19 in years after
Annual rewards
$915.19
in American Express Membership Rewards points a year
Welcome bonus
+ $1,330
first year only
Annual fee
− $199
FX fees
− $180
2.5% on $600/mo
First-year value
$1,866.19
$536.19 in years after
Interest Rates
Purchase: 21.99% - 29.99%*
Cash Advance: N/A*
Annual Fees
Main Card: $199
Additional Cards: $50
Welcome Bonus
- Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.
- Earn 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
- Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
- That’s up to $700 in statement credits to reinvest in your business.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Charge
Our Rating
4.5/5
Institution
American Express
How You Earn Rewards
- 1x point per $1 spent on all purchases
- 10,000 points each quarter when you charge $20,000 in net purchases to your card
American Express® Business Gold Rewards Card Points Calculator
Your rewards by category
A year of your spending at this card's ongoing rates, grouped by what each category earns.
BASE
Spend: $48,180/yr
Reward: $915.2
All other business spending (17 categories)
Office Supplies
$3,000/yr
3,000 pts
Electronics & Software
$1,200/yr
1,200 pts
Gas & EV Charging
$3,600/yr
3,600 pts
Air Canada
$1,200/yr
1,200 pts
Other Airlines
$600/yr
600 pts
Hotels
$1,800/yr
1,800 pts
Car Rental
$600/yr
600 pts
Other Travel
$600/yr
600 pts
Dining & Restaurants
$3,600/yr
3,600 pts
Phone, Internet & Cable
$2,400/yr
2,400 pts
Shipping & Courier
$1,800/yr
1,800 pts
Accounting & Bookkeeping
$1,800/yr
1,800 pts
Recurring Bills & Subscriptions
$4,800/yr
4,800 pts
Transportation
$1,200/yr
1,200 pts
US Dollar Purchases
$6,150/yr
6,144 pts
Other Foreign Currencies (EUR, GBP, etc.)
$1,230/yr
1,224 pts
All Other Business Expenses
$12,600/yr
12,600 pts
BONUS
10,000 points each calendar quarter with $20,000 in net purchases
Earned 0 of 4 quarters · $12,045 a quarter, $7,955 short
Reward: $0
Welcome bonus at your spending
$1,330
Earn 50,000 Membership Rewards® points after spending $7,500 on your Card in your first 3 months
50,000 pts
Earn 20,000 Membership Rewards® points after spending $30,000 on your Card in your first year
20,000 pts
Insurance & Benefits
Insurance
Coverage
Mobile Device Insurance
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
.svg){kind=small}
Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
.svg){kind=small}
Travel Credit
Priority Travel
Pros & Cons
Pros
- Flexible rewards
- Travel perks
Cons
- Foreign transaction fees
- Limited travel insurance
- Lower acceptance
Legal
*Terms and conditions apply.
This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.