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 people clicking find that they are targeted for an offer of 85K points after $10K in purchases in the first 3 months.

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

1X
(1.55%)

Travel

4X
(6.2%)

Dine

4X
(6.2%)

Gas

4X
(6.2%)

Biz

4X
(6.2%)

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 a new welcome bonus. 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 getting a welcome bonus 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. 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 ➥More ⓘ $1183 1st Yr Value Estimate 100K points + 10x US Gas Stations and US Supermarkets 100K after $5K spend in first 6 months plus 10x on eligible purchases at US gas stations and US supermarkets on up to $15K in purchases in the first 6 months. Terms apply. (Rates & Fees) $550 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.
The Business Platinum Card® from American Express ➥More ⓘ $918 1st Yr Value Estimate 100K points 100K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees) $595 Annual Fee Some report being targeted for offers up to 150K! Click here for details. Recent better offer: 150K after $20K Spend (Targeted)
American Express® Gold Card ➥More ⓘ $907 1st Yr Value Estimate 60K Points + up to $250 back 60K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees) $250 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: This is the best we've seen
American Express® Business Gold Card ➥More ⓘ $645 1st Yr Value Estimate 70K Points 70K points after $10K spend in 3 months. Terms apply. (Rates & Fees) $295 Annual Fee Alternate offer: Some people clicking find that they are targeted for an offer of 85K points after $10K in purchases in the first 3 months. 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]
American Express® Green Card ➥More ⓘ $519 1st Yr Value Estimate 45K Points 45K points after $2K spend in 3 months. Terms apply. See $150 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store 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: 50K afrer $2K spend
The Platinum Card® from American Express for Schwab ➥More ⓘ $488 1st Yr Value Estimate 60K points 60K after $5K spend in 3 months. Terms apply. $550 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. 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: None
The Platinum Card® from American Express Exclusively for Morgan Stanley ➥More ⓘ $488 1st Yr Value Estimate 60K points 60K after $5K spend in 3 months. Terms apply. $550 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.
Business Green Rewards Card from American Express ➥More ⓘ $344 1st Yr Value Estimate 25K points 25K points after $3K spend in first 3 months. Terms & limitations apply. No Annual Fee First Year, Then $95 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.
The Blue Business℠ Plus Credit Card ➥More ⓘ $158 1st Yr Value Estimate 10K points 10K after $3K spend in 3 months. Terms apply. (Rates & Fees) No 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: Up to $300 in statement credits: up to $100 in statement credits at each of the following stores for purchases in the first 3 months: Dell, DocuSign, and FedEx. Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
The Morgan Stanley Credit Card from American Express ➥More ⓘ $141 1st Yr Value Estimate 10K points 10K after $1K spend in 3 months. Terms apply. No 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: None
The Amex EveryDay® Credit Card from American Express ➥More ⓘ $141 1st Yr Value Estimate 10K points 10K after $1K spend in 3 months. Terms apply. No 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.
The Amex EveryDay® Preferred Credit Card from American Express ➥More ⓘ $123 1st Yr Value Estimate 15K Points 15K after $1K spend in 3 months. Terms apply. $95 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store 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: 30K after $2K in first 3 months
The Business Gold Rewards Card from American Express ➥More ⓘ $0 1st Yr Value Estimate This card is no longer available for new applications (Offer Expires 12/31/2099) No Annual Fee First Year, Then $175 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.
The Gold Card from American Express for Ameriprise Financial ➥More ⓘ $0 1st Yr Value Estimate This card is no longer available for new applications No Annual Fee First Year, Then $160 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.
The Blue for Business® Credit Card from American Express ➥More ⓘ $0 1st Yr Value Estimate This card is no longer available for new applications No Annual Fee Click here to view details about a similar card: The Blue Business Plus Credit Card 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.
The Amex EveryDay Card (with 20 purchases per billing cycle) ➥More ⓘ $0 1st Yr Value Estimate No 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.
The Amex EveryDay Preferred Card (with 30 purchases per billing cycle) ➥More ⓘ $-95 1st Yr Value Estimate $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.
The Platinum Card® from American Express for Ameriprise Financial ➥More ⓘ $-550 1st Yr Value Estimate This card is no longer available for new applications $550 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.