[Expired] Amex Business Gold: 95K Membership Rewards offer with no lifetime language (targeted)


The offer mentioned in this post has expired. See our Best Offers page for current offer information. 

Another day, another targeted welcome offer from Amex. Yesterday, my wife and I both found a very good offer for the Blue Business Plus card on our accounts. Today, she has a shiny, new welcome offer for the Business Gold on her account as well. It’s a significant improvement on the standard offer and does not include AMEX’s once-in-a-lifetime language (NLL).

The Offer

  • Earn 90,000 Membership Rewards points after $10,000 spend on a new Business Gold card within the first three months. Get an additional 5,000 points by adding an employee card and spending $1,000 within the first three months. This offer has expired
    • The $1,000 of spend on the employee card goes towards the $10K max
    • There’s no once-in-a-lifetime language associated with this offer.

Direct Link to Offer (you must click “apply now” and log-in to see if you are targeted)

If you see this message (or something like it), it means you’re not targeted:

a screen shot of a computer

Key Card Details

Card Offer and Details
130K Points ⓘ Non-Affiliate
130K points after $10K 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: (Expired 2/1/24) 130K referral offer after $10K in spend
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 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 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)

Quick Thoughts

This is the same targeted offer that Amex has been sending out periodically over the last few months, which offers an increased 90K bonus as well as an additional 5K for adding an authorized user and spending $1,000 on the “employee” card.  This is definitely a nice welcome offer with reasonable spend and not having once-in-a-lifetime language makes it very appealing. These offers almost always come with no hard-pull, but YMMV.

There used to be common reports over the last couple of years of Business Gold customers getting 100K upgrade offers to the Business Platinum, but I haven’t heard of one in quite a while.

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Beware Amex apparently stopped considering tax payments as qualifying spend for SUP.


A little bizarre. Got targeted, applied, pending. A day letter said in online letter that I already got this kind of card “in the last couple of months” so they cancelled the application. Which is totally true, I got another targeted offer 2 months ago, applied and approved. Ok, but why target me again and then no go? This is a first.


I actually have this offer, but not sure it’s really worth it. I personally value these points at 1c, so it’s $900, since $50 fee to add a user. The categories don’t excite me, because $10,000 spend in 3 months means giving a lot of money to charity. $250 annual fee. So $650 for 10K spend basically unless I’m missing something. I guess the hope of getting targetted to upgrade it is something to consider.


If you only value them at 1 cpp, then I agree that this isn’t really worth it. You’re better off applying for one of the Ink cards if you are under 5/24.

I personally value MR points at closer to 2cpp to that’s worth it to me. Flying Blue is a great partner to get value from if you want to travel to Europe. I’ve also done well booking non stop, domestic AA flights with British Airways.


Adding an employee green card is free.

$950 + $100 ($10k * 1 point = 10k MR) – $250 fee = $800 for 10k spend


DP: I just upgraded my Business Gold to Business Platinum for 130k points. P1 and P2 also have these current Business Gold offers in our accounts for a couple of months now.

Chris Wright

Any ideas as to how to get targeted for these? Every single elevated business platinum, business gold, and BBP offer you all have shared all year I have not been targeted for. I already have 1 of each.


Question: I’ve never had the Gold Biz card and have had that offer in the app for a long time. (I haven’t recently gotten any Amex card cause of pop-up jail but that’s another issue). Will getting this NLL card disqualify me from getting the regular bonus with lifetime language? Thanks






I received a targeted upgrade offer on my Gold Business a few months back to the Business Platinum for 140k MR points for $10k in spend in 3 months. I was also targeted for this offer. I thought I could be a data point.


Same for me. Still working on my bonus for the 140K MR on the biz plat, and have been targeted for this Biz Gold offer as well.