American Express Business Gold Card

Note: American Express is a Frequent Miler advertiser. 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)
Click Here to Apply

$295 Annual Fee

 
 

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

 
 

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.

Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Gas
Biz

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.

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)

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

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)

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus offer. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

Card Offer
The Platinum Card® from American Express
 
 
 
150K points
150K after $6K spend in 6 months. Terms apply.

$695 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Resy Offer: 125K after $6K spend in 6 months plus 10x dining for 6 months on up to $25K spend. Terms apply.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

 
 
The Business Platinum Card® from American Express
 
 
 
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

 
 

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.

Recent better offer: 150K after $20K Spend (Targeted)

 
 
The Platinum Card® from American Express Exclusively for Morgan Stanley
 
 
 
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

 
 

Info 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]

 
 
American Express® Gold Card
 
 
 
90K points
90K points after $4K in purchases in the first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

 
 
American Express® Green Card
 
 
 
50K Points + up to $150 back
50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. See Rates & Fees

$150 Annual Fee

 
 
American Express® Business Gold Card
 
 
 
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

 
 

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

 
 
The Blue Business® Plus Credit Card from American Express
 
 
 
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

 
 

Alternate offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

 
 
The Amex EveryDay® Preferred Credit Card from American Express
 
 
 
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

 
 

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

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A G

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

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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

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[…] 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. […]

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

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[…] 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. […]

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[…] 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 […]

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