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
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$295 Annual Fee

Click Here to Apply
This is an affiliate link. Frequent Miler may earn a commission if you are approved for this offer
FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 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.
Base: 1X (1.55%)
Travel: 4X (6.2%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Biz: 4X (6.2%)
Card Type: Amex Pay Over Time Card
Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees)

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)


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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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None
This card is no longer available.
No 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

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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.
This card is no longer available for new applications

(Offer Expires 12/31/2099)
$0 introductory annual fee for the first year, then $175
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.

$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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10 Comments
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Nicholas F

got the 130k offer via referral today for 10k over 3mos, never had the card before. no pop up though i got one for delta biz plat while logged in

Roland

Was targeted today for 90K after $10K in 3 months + 5K for authorized user, when logging in. Had this card before but upgraded to biz plat. 3 months ago 140K after $10K spend in 3 months.

JayP

Got targeted today for the 90k after $10k in 3 mos + 10k for AU offer

[…] American Express® Business Gold Card […]

A G

Just accepted offer that was a popup when logging into account. 90k points after 10k spend in 3 months

Troy

Getting a targeted 100k offer of 90k with $10k spend in 3mo PLUS 10k with $1k spend in 3mo on AU card, says valid thru 12/31/21

[…] Amex Business Gold: Earn 4X Membership Rewards on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 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. […]

[…] Business Gold Rewards Up to 4X** EveryDay Preferred Up to 3X* […]

[…] Business Gold: 25% Airline Bonus. Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year. […]

[…] the heels of the new (and well regarded) consumer Gold card, Amex introduced their new Business Gold card… and the world shrugged.  Why?  Both cards offer up to 4X rewards in two categories of […]