American Express Business Gold Card

Note: American Express is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.

Card Details and Application Link
American Express® Business Gold Card
200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee

Friend-referral links like this one sometimes result in an error message incorrectly stating that a character may be missing. If this happens to you, try opening the same link in a different browser.
Click Here to Apply
This is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None. This is the best we've ever seen.
FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: Earn up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required. ✦ Monthly Walmart+ Membership credit after you use the card to pay for one monthly Walmart+ membership ✦ Terms Apply. (Rates & Fees)

The American Express Business Gold card doesn’t have the plethora of elite perks that the Business Platinum card has. What it does have is a lower annual fee and much better earning categories. With the recent addition of “flexible business” and Walmart+ credits, this card will be a no-brainer for almost anyone for the first year and an interesting keeper card for folks who can maximize the credits and the 4x bonus categories.

Annual Fees

Primary user

  • $375/year

Authorized users

  • Authorized User Annual Fee: $95 for the first five cards, then $95 for each additional card.

Amex Business Gold Bonus Earning Categories

4X – Combined in top two categories each billing cycle (capped at $150K spend per calendar year, then 1x):

  • U.S. media providers for advertising in select media (online, TV, radio)
  • U.S. purchases from electronic goods retailers and software/cloud system providers
  • U.S. purchases at restaurants
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

3x – eligible purchases through AmexTravel.com

1x – everywhere else

Amex Business Gold Perks

Annual Credits

  • $240 Flexible Business Credit: Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.
  • $155 Walmart+ Membership: Use your Business Gold Card to pay for a monthly Walmart+ membership and receive a statement credit for $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.

Additional Perks

  • Hotel Collection: Book a two-night minimum The Hotel Collection stay through American Express Travel and get a $100 experience credit to use during your stay.

Travel Protections

  • Auto Rental CoverageSecondary auto rental CDW (collision damage waiver). Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad.
  • Trip Delay Reimbursement: Covers delays of more than 6 hours or that require an overnight stay. Up to $300 per trip.
  • Lost Luggage Reimbursement: Up to $1,250 for carry-on baggage and up to $500 for checked baggage ($10,000 aggregate maximum limit for all Covered Persons per Covered Trip).

Purchase Protections

  • Cell Phone Insurance: $800/claim and a $50 deductible/claim (2 claims max/year).
  • Extended Warranty: One additional year, on eligible warranties of five years or less (US warranties only, max $10,000/claim, $50,000/account/year).
  • Damage and Theft Protection: 90 days against damage or theft (up to $1,000 per claim and $50,000 per year).

Amex Business Gold Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


Should you apply?

Business Gold card welcome offers are usually worth considerably more than the card’s annual fee.  So, as long as you can make use of some of the card’s perks, and as long as you can meet the offer’s minimum spend requirements, it can make sense to sign up for at least one year (assuming that you can get approved).  You can always cancel (or downgrade to a less expensive card) once the annual fee comes due in year 2 so as to avoid paying for the second year.

Are you eligible?

Applying for Business Credit Cards: You must have a business to apply, but even a simple sole proprietorship will work. It's likely that you have a business even if you don't realize it.
More:You must have a business (but you probably do): In order to apply for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Application status

After you apply, call (877) 239-3491 to check your application status or use this link.

Amex reconsideration

If denied, call reconsideration: 877-399-3083 (new account holders) or 866-314-0237 (current account holders).

How to Earn Membership Rewards Points

Credit card welcome offers

The easiest and quickest way to earn Membership Rewards points is through Amex credit card welcome bonuses.

Most Amex welcome offers stipulate that you can’t get the bonus if you’ve ever had that card before. However, targeted offers sometimes do not have that once per lifetime language.  In those cases, you can get the bonus even if you’ve had the card before. See: 8 ways to get the best targeted Amex welcome bonus offers.

Below are the Amex cards with the best current and public Membership Rewards welcome offers.

Card Offer
250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None. This is the best we've ever seen.
125K points ⓘ Non-Affiliate
125K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
100K points + 10X on dining ⓘ Non-Affiliate
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K points + 20% back at restaurants ⓘ Non-Affiliate
75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $250 back. Terms apply. (Rates & Fees)
$325 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only]
80K after $8K spend in first 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Credit card upgrade offers

Amex frequently offers bonus points for upgrading from one card to another.  For example, we’ve seen 50,000 point offers for upgrading from the Business Gold card to the Business Platinum card.  Even better, these upgrade offers often do not have the once per lifetime language associated with them. That is, if you are targeted for an upgrade offer, you may be able to earn the bonus points even if you’ve had the card before.  It is best to accept these offers only after you have earned a signup bonus for the higher end card.

Amex Business Platinum 50K Upgrade Offer

Credit card category bonuses

The next best way to earn Membership Rewards points is by using the best card for each category of spend.  If you spend a lot personally or through your business on any of the below categories, you can do very well.  Particularly noteworthy is the no-annual-fee Blue Business Plus Credit Card which offers 2 points per dollar for all spend, up to $50K spend per calendar year (then 1X thereafter).  That’s fantastic.

Spend Category Best Options
US Supermarkets
American Express Gold 4X (up to $25K per year, then 1X)
EveryDay Preferred Up to 4.5X* (max $6K per year)
US Gas Stations
Business Gold Rewards Up to 4X**
EveryDay Preferred Up to 3X*
Restaurants American Express Gold 4X
American Express Green 3X
Business Gold Rewards Up to 4X**
Travel (Broadly Defined) American Express Green 3X
Flights
Platinum consumer cards 5X
Business Platinum (via Amex Travel) 5X
Business Gold Rewards Up to 4X**
American Express Gold  3X
American Express Green 3X
Prepaid Hotels
Platinum cards (via Amex Travel) 5X
American Express Green 3X
Select Car Rental Companies American Express Green 3X
Morgan Stanley Credit Card 2X
US Wireless Services Business Gold Rewards Up to 4X**
US Advertising in select media Business Gold Rewards Up to 4X**
US Computer related purchases
Business Gold Rewards Up to 4X**
Rakuten portal shopping Rakuten Visa 3X + portal rewards
Everywhere else Blue Business Plus 2X
EveryDay Preferred 1.5X*

* The Amex EveryDay Preferred card earns a 50% bonus every billing period in which the card was used for 30 or more transactions.  Before the 50% bonus, the card has the following bonus categories: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases.  After the 50% bonus, it offers: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x); 3x points at US gas stations; 1.5x points on other purchases.

** The Business Gold Card offers 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ⚬ U.S. purchases made from electronic goods retailers and software & cloud system providers ⚬ Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.

Credit card referrals

Another great way to earn Membership Rewards points is by referring friends and relatives.  In some cases referral bonuses are really big.  However, if you want to keep your friends, then make sure that the offer they get is as good as the best available public offer (compare to our Best Offers page).

Log into your account to check for any special referral offers.

Note that this option is especially powerful since you can now refer friends to other cards — even to cards you do not have.  See this post for full details: Maximizing value from Amex multi-referrals.

Amex Offers

Amex Offers are usually best for saving cash.  But, sometimes Amex Offers provide terrific opportunities for point earning instead.  One (now expired) example was an offer for Reebok: Spend $75 or more, Get 1,500 Membership Rewards points. And one for Hugo Boss: Spend $250 or more, Get 5,000 points.

Amex Offer Reebok Boss

Sometimes Amex Offers are longer term and act more like a new category bonus.  For example, you’ll often see offers to earn 2X rewards at various merchants.

Log into your account and check the section titled “Amex Offers and Benefits” to look for offers like these.

Other options to earn Membership Rewards

FX International Payments

Amex offers businesses the ability to earn 1 Membership Rewards point per $30 of foreign wire payments (max 4,000 points per transaction).  Even better, you may receive a welcome bonus offer like the one shown above (keep an eye out for this in your mailbox or email!).

Where to Redeem Membership Rewards Points

In general, Membership Rewards points are worth up to 1 cent each when redeemed for merchandise or gift cards. Fortunately, there are three ways in which it is possible to get more value: redeem points for flights, transfer points to hotel or airline partners, or invest rewards. More on each below…

Redeem points for travel

Those with Amex Platinum cards automatically get 1 cent per point value when redeeming points for travel. That's not particularly good, but it's much better than the value that people get without an Amex Platinum card. Currently, the only way to get better than 1 cent per point value when redeeming points for travel is with the Business Platinum Card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for either a First or Business class flight on any airline, or for any flights with your selected airline.
After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.

Transfer points to travel partners

The best use of Membership Rewards points, in our opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. One exception: Amex often offers 30% or higher transfer bonuses to certain programs (Virgin Atlantic and British Airways are two recent examples).  If you’re confident that you’ll use the points for good value, it may make sense to transfer points when those bonuses are in effect.

For specific examples of great ways to use points transferred to airline miles, please see: Amex Membership Rewards sweet spots.

Current Amex transfer bonuses

Here are the currently available transfer bonuses from Amex Membership Rewards (this table will update automatically when new offers are found):

Transfer Bonus DetailsEnd Date
15% transfer bonus from Amex Membership Rewards to Avianca LifeMiles

45657

12/31/24
35% transfer bonus from Amex Membership Rewards to Marriott Bonvoy

45657

12/31/24
40% transfer bonus from Amex Membership Rewards to Virgin Atlantic Flying Club

45657

12/31/24
25% transfer bonus from Amex Membership Rewards to JetBlue

45657

12/31/24

Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user or employee on the account.

Amex transfer partners

It is free to transfer Membership Rewards points to foreign airlines. For transfers to US airlines, however, Amex charges an “excise tax offset fee” of $0.0006 per point (with a maximum fee of $99). Airlines subject to this fee are noted below.

Rewards ProgramAmex Transfer RatioBest Uses
Aer Lingus Avios1 to 1Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Avios Sweet Spots for Award Tickets.
AeroMexico ClubPremier1 to 1.6AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program.
Air Canada Aeroplan1 to 1Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know.
Air France KLM Flying Blue1 to 1Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel.
Alaska MileagePlan1 to 1 via HawaiianAlaska Airlines offers decent oneworld award pricing, excellent short-distant pricing, and uniquely allows free stop-overs one one-way awards. Additionally, Alaska allows free award changes and cancelations (although they do have a small non-refundable partner award booking fee)
ANA Mileage Club1 to 1Redeem for Star Alliance flights. Multiple stopovers allowed. ANA offers many great sweet-spot awards, including flying around the world in business class for as few as 115K miles! See also: ANA - a terrific Membership Rewards gem.
Avianca LifeMiles1 to 1Avianca LifeMiles can be great for Star Alliance awards. They offer reasonable award prices and no fuel surcharges on awards. They also offer shorthaul awards within the US (for flying United, for example) for as few as 7,500 miles one-way. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details.
British Airways Avios1 to 1While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets.
Cathay Pacific Asia Miles1 to 1Cathay Pacific has a decent distance based award chart, but they don't allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details.
Choice1 to 1Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan. Points can sometimes offer great value when used towards participating Preferred Hotels of the World.
Delta SkyMiles1 to 1 plus excise taxDelta no longer charges change or cancellation fees on awards originating in North America. Flash award sales and flights to/from locations other than the U.S. or Canada can offer great value. See: Best uses for Delta miles.
Emirates Skywards1 to 1The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards.
Etihad Guest1 to 1Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights.
Finnair Plus+1 to 1 via BAFinnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs.
Hawaiian Miles1 to 1 plus excise taxHawaiian Miles can be converted instantly to Alaska Mileage Plan miles. Alaska Airlines offers decent oneworld award pricing, excellent short-distant pricing, and uniquely allows free stop-overs one one-way awards. Additionally, Alaska allows free award changes and cancelations (although they do have a small non-refundable partner award booking fee)
Hilton1 to 25th Night Free awards. Best value is usually found with very low end or very high end Hilton hotels. Bonus: award nights are not subject to resort fees. Note that Hilton points often go on sale for half a cent each and so its rare for point transfers to Hilton to be a good value.
Iberia Avios1 to 1On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets.
JetBlue250 to 200 plus excise taxJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards.
Marriott Bonvoy1 to 15th Night Free awards. Opportunities to get outsized value exist but can be hard to find.
Qantas Frequent Flyer1 to 1Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions)
Qatar Privilege Club Avios1 to 1Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios.
Singapore Airlines KrisFlyer1 to 1Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines).
Virgin Atlantic Flying Club1 to 1Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight).

Other options for redeeming Membership Rewards

You can also redeem points for gift cards or merchandise. At most, with this approach you’ll get 1 cent per point value, but usually you’ll get quite a bit less.

You can also use points to pay some merchants directly (Amazon.com, for example). Don’t do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points – causing you a headache in getting your points reinstated).

Managing Membership Rewards Points

Combine Points

Amex automatically pools all of your points together. When you earn points with different cards, the point total shown when viewing either card is the total across cards.

Share Points

Unlike Chase and Citibank, Amex doesn’t allow members to move points from one person’s account to another. That said, it is possible to transfer one person’s points to another person’s loyalty program account. The key is that the person who receives the points must be an authorized user or employee on the other person’s account. For example, my wife can transfer Membership Rewards points to my Virgin Atlantic account as long as I’m an authorized user (or employee) on any of her Membership Rewards cards.
An authorized user card must be active for 90 days before it will unlock the ability to transfer your points to the authorized user’s loyalty program account.

How to Keep Points Alive

Thankfully, it is very easy to keep Amex Membership Rewards points alive. Simply keep any Membership Rewards card open. For example, if you are about to close your one and only Membership Rewards card, then open another Membership Rewards card account first in order to preserve your points. Amex offers some no-fee Membership Rewards cards, such as the Blue Business Plus and the Amex Everyday, so this shouldn't be much of a burden.

Amex Business Gold: Should I Keep or Cancel?

Deciding whether to keep or cancel Amex Business Gold cards can be a tough decision. Given the card’s high annual fee, it’s a significant investment to keep the card year after year.  If you make good use of the card’s perks and bonus categories, it could be worth it. Otherwise, move on to greener pastures.

Related Cards

Card Offer
250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None. This is the best we've ever seen.
125K points ⓘ Non-Affiliate
125K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
100K points + 10X on dining ⓘ Non-Affiliate
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K points + 20% back at restaurants ⓘ Non-Affiliate
75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 6 months up to $250 back. Terms apply. (Rates & Fees)
$325 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only]
80K after $8K spend in first 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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Chris

I get the popup that I’m not eligible on the 200K offer linked above but I have a mailer for a 125K offer (both are $15K spend). Any thoughts on how to get the 200K? Have $15K in tax payments to make so I would like to get the most out of it.

Elizabeth

Link is showing expired for me. Thanks for continually updating it!

Stephen Pepper

There’s a new link now

pointperson

expired again?

Nick Reyes

Fixed, thank you!

pointperson

link works, but when I click “Apply Now” it takes me to a page that says “This offer is no longer available.“. Am I out of luck?

pointperson

Nevermind, was able to fill out the application in Incognito mode but was met with with the popup jail message: “you are not eligible to receive the welcome offer, intro APR offer, and intro plan fees offer”.

Char

Sorry, this link is not working or has expired.

Stephen Pepper

There’s another new link

H W

I would like to open a AmxGoldBiz card, but the link is not working for me. Any advice?

Stephen Pepper

There’s a new link there now

Archie

Link expired again

Stephen Pepper

There’s a new link now

raw

Referral link shows expired.

Stephen Pepper

There’s a new link now

eaw

200k link just worked for me! TY FM!

pcw4

Referral link expired. We’re keeping you busy…

EruptingLoowit

Same. Expired

Stephen Pepper

There’s a new link now

Tango

not working either..

Tim Steinke

Fixed.

Rika

As of 12/8, link not working. Cleared cache, tried other browser, incognito, etc.
Nada. Please update, thanks!

Stephen Pepper

There’s a new link now

kevin

need a 175k for 10k link

Mr. S

The 200K link isn’t working. Are there other links out there?

Stephen Pepper

There’s a new link now.

patty

Really, which one? None seem to be working for me.

Tim Steinke

The main link that’s listed in the card display under “Click Here to Apply Now.”

patty

Yep, I get a message saying the link is expired. Tried in 3 different browsers.

Tim Steinke

Worked fine for me just now. Try deleting your cache.

patty

Thank you, that was it!

pcw

Still/also getting a link expired error from Amex.

Last edited 15 days ago by pcw
Stephen Pepper

There’s a new link now

Vit

Any updated NLL link for 200k offer? Much appreciated

Elizabeth

Says not working or expired.

Jay

Corporation or partnership are only options under company structure – no sole proprietorship option. Is there a workaround?

Greg The Frequent Miler

My drop down shows all three:

  • Corporation
  • Partnership
  • Sole Proprietorship

Maybe try it in a different browser?

C B

New link?

Tre

New link possible?

Stephen Pepper

There’s a new link now