American Express® Business Gold Rewards Card Review

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The Bottom Line

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.

American Express® Business Gold Rewards Card
amex business gold
American Express® Business Gold Rewards Card

4.5

Finly Rating
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Welcome Bonus

Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year

Rewards Rate

1x

Points

Annual Fee

$199

Interest Rates

21.99% - 29.99%* / N/A*

RECOMMENDED CREDIT SCORE

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring
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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

Insurance

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • hourglass timer

    Flight Delay

    $500
  • hourglass timer

    Baggage Delay

    $500
  • burglar

    Hotel Burglary Insurance

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • heart lock

    Common Carrier Travel Accident Insurance

    $100,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year

Benefits

Details

  • Amex logo

    Amex Experiences™

    Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
  • travel

    Travel Credit

    Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
  • airport waiting room

    Priority Travel

    Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.

Eligibility

  • Credit Score

    Good

  • Annual Income

    N/A

Welcome Bonus Details

  • 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.

Card Details

Interest Rates

Purchase APR

21.99% - 29.99%*

Cash Advance APR

N/A*

* 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.

Fees

Annual Fee

$199

Additional Cards

$50

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Charge

Reward Type

Points

Loyalty Program

American Express Membership Rewards

Pros & Cons

Pros

  • Flexible rewards
  • Travel perks

Cons

  • Foreign transaction fees
  • Limited travel insurance
  • Lower acceptance
American Express® Business Gold Rewards Card

American Express® Business Gold Rewards Card

4.5

FinlyWealth Rating

APPLY NOW

Apply with Confidence — won't impact your credit score

on American Express' website

*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.

American Express® Business Gold Rewards Card
APPLY NOW

Apply with Confidence — won't impact your credit score

on American Express' website