Amex Business Gold 150k and Business Platinum 190K offers available online and by phone (targeted)


Update 3/5/24: We continue to get numerous positive data points that these offers are still around and that the methods listed below work to find them. This doesn’t mean that everyone will be able to make them appear, but it’s worth giving it a shot before applying for the current (and still very good) referral offers that we’re showing on the Best Offers page.

Weirdly, these huge offers seem to be flying a little under-the-radar right now, so we wanted to remind everyone that they’re still out there.

~original post follows~

There is a new, targeted welcome offer for the American Express Business Gold card that offers an incredible 150,000 Membership Rewards after $10K in spend. We’ve heard reports of this popping up in people’s accounts for a few weeks, but there were no links to access it online. Now, it looks there are a couple ways to find it, and using a “fresh” browser seems to be essential.

This 150K offer DOES have once-in-a-lifetime language, so those who have the card or have had it within the last 5-7 years aren’t officially eligible. That said, we’ve seen several reports of folks who shouldn’t be eligible successfully applying without getting the pop-up telling them that they’re not eligible for a welcome offer.

There’s also an Amex Business Platinum offer that appears using method #1, that’s listed below, which shows 190,000 Membership Rewards. That’s an incredible offer that’s worth considering in its own right…especially if you already opened a new Business Gold within the last 90 days. 🙂

In addition, we’re also hearing success stories of people receiving the offer over the phone, similar to the Business Platinum’s 200K offer.

a close up of a credit card

The Deal

  • There is a targeted offer for the Amex Business Gold card that gives 150,000 Membership Rewards points after spending $10,000 within the first 3 months.
  • There is a targeted offer for the Amex Business Platinum card that gives 190,000 Membership Rewards points after spending $15,000 within the first 3 months.

Key Card Details

(if you click on the card details you can see our card-specific page with the current public offer information, not the increased offer)

Card Name w Details & Review (no offer)
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

$375 Annual Fee
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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 ✦ 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)
Card Name w Details & Review (no offer)
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review

$695 Annual Fee
Earning rate: 5X flights and prepaid hotels at ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply.
Base: 1X (1.55%)
Other: 1.5X (2.33%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ $100 Global Entry fee reimbursement.✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ $189 CLEAR fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits
a screenshot of a computer
Using a fresh browser is key to finding the 150K Gold offer

Online Method #1

1. Open this link in a fresh browser
2. You should see a Business Platinum card welcome offer for 170,000 (or 190,000) Membership Rewards. If you don’t see this offer, reload and/or try another browser
3. Click on the dropdown menu in the upper right corner
4. Click on “Most Popular Cards”
5. Choose “American Express Business Gold Card.” You should see the offer. If not, rinse, wash and repeat in another browser

(h/t: Doctor of Credit)

Online Method #2

  1. In a fresh browser, look up ‘Amex Platinum Business’ first
  2. Click the sponsored link. You should see the 170k Business Platinum offer. If you don’t, reload or try another browser.
  3. In the same tab look up ‘Amex Gold Business’ and click on the sponsored link for the Business Gold. If you don’t see the 150K offer, close the browser and start all over again.

(h/t: Frequent Miler Insiders member Nancy)

By Phone

In order to check and see if you’re targeted by phone, call the AMEX Small Business Team at (855) 531-3491 and ask about which offers are available for the Business Gold. Oftentimes, they won’t give you the best offer on the first attempt, so don’t be afraid to decline whatever they tell you first and/or specifically mention this 150K offer.

(h/t: Frequent Miler Insiders member Alicia)

Quick Thoughts

This targeted offer is more than double the current best public offer. Even if you didn’t take advantage of any bonus categories, this works out to 15x MR on $10K spend…an absolutely stellar deal. I believe this is the best offer that we’ve ever seen for the Business Gold card.

I tried all three methods and was able to find the offer using each one. I found both a 125K and the 150K offer using method #1 fairly easily using both Chrome and Microsoft Edge, with the 150K offer showing up about 40% of the time. Method #2 was less successful. I couldn’t get it to work in Chrome, but was finally able to make the 150K offer appear in Edge after seven tries. When calling the phone number, the rep verified the 150K offer, but then told me I wasn’t eligible since I already have the card. Your mileage may vary.

Both the Business Gold and Business Platinum welcome offers DO have “once-in-a-Lifetime” language. If you have had a Business Gold before (or within the last five to seven-ish years), you are not officially eligible for this offer. Remember though, that in those cases Amex will almost never do a hard pull and will let you know via a pop-up that you’re not eligible for the welcome offer before you submit the application.


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Still going— method #1 worked for me using Safari (which I never use otherwise).


I just used method #1 (open the link in an incognito browser) to look at the Gold, and got the 250K Plat offer
totally random
I got the 150K Gold with lifetime language

Last edited 11 days ago by Bill
Dave Hanson

Tim, did you guys mean to have comments turned off at the related thread on the enhanced Business Platinum bonus at ?


Data point- I was hoping there wasn’t a pop up on this when I applied that I didn’t see. That being said, I received the 150k points deposited into my account about 2 business days after completing the spend 80 days after opening the card. Thanks frequent miler for the link and encouragement to break through the pop up jail. Should have plenty of amex points to last the next decade and buying $20 gift cards at Office Depot results in the credit to offset the fee.


I was on my computer browser with an offer for 120k and just as I was about to complete my application I got distracted and time out of my session. Later that night I looked on my phone and saw the offer was 150k so I jumped on it and applied on my mobile browser and was approved. Today, I’m back at work and go on the amex page and see a welcome offer for 170k! Sigh. I’m pretty sure it’s because it’s because I didn’t complete my application yesterday that they gave me a better offer on that same browser. I used another internet browser and went on the amex page and the offer was 120k. I tried to call to see if they would honor the offer on their site today (170k) but was told no unless I could prove it was a targeted offer with my name on the offer.


I tried applying for the amex biz gold and got the message that “I wasn’t eligible since I already have the card”, however, I don’t have the card as a primary account holder, I currently only have the amex biz card as employee card under my name. Does anyone know if Amex considers employee cards for this? or is this maybe some sort of error?


I got this message. I did not proceed.

you are not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.

We have not yet performed a credit check. Would you still like to proceed?


Had to do the “Wash – Rinse – Repeat” method for Option 1 on Chrome Incognito a few times before it worked, but it worked! I had seen the add on LinkedIn for this offer but couldn’t get the ad to show again. This worked! Thanks!

Last edited 1 month ago by Angela
John Collins

Phone offer worked for me. I clicked the option to press 2 if you don’t have another Amex card even though I do. I got the 190k for 15k in spend and 10k for spending on an employee card


Approved for 150k Bus Gold following method 1 above with Opera GX Browser (1 shot and succeed). Using same email address however was not allowed to add the newly approved card to any existing account. Had to create a new account.


Approved for the 190k Biz Platinum using Method #1


Approved for 150k Bus Gold following method 1 above with Private window in Edge. Had been using this approach for the past 4 days and failing – today it went through.


p2 was just approved for a 250k biz plat right now, nothing special to pull it just used chrome incognito on home wifi


Yah! Got approved 190k for the bus platinum, after got a pop-up jail for the bus Gold…weird, but I’ll take it.

Last edited 2 months ago by vutran

Data point: I had the Amex Business Gold back in March 2019 and eventually upgraded it to the Business Platinum after 1 year. I closed the card in April 2022 after not being able to get any good retention offer. I applied for the Business Gold yesterday and was instantly approved without any pop up. The 130K MR points offer that I applied to did contain the lifetime language. Sadly, I was unable to find the 150K offer link.