Amex Business Gold: 130K Membership Rewards Offer (Back Again)


Update 4/5/23 – The 130,000 Membership Rewards Business Gold offer is showing up again on referrals. I’ve also put a direct link at the bottom of the post that appears to work most of the time. I was able to get the 130K offer to appear using a fresh browser in Chrome, Edge, Brave and Firefox. Still YMMV, of course, and always make sure that you can’t get a household referral before using it. (h/t: Miles to Memories)

Starting last night there were some 130K links for the Business Gold card floating around, but we decided not to post anything at the time, because they seemed highly targeted. It seems like these offers are getting more common, BUT, they don’t always appear, can disappear without warning and seem to come and go with no rhyme or reason. Using a fresh browser seems to be essential.

Key Card Details

Click the card names below to go to our individual card pages to find more information and links to apply. (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 is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.

$295 Annual Fee
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)

Quick Thoughts

Using a fresh browser is key to finding the 130K Gold offer

This targeted referral offer is almost double the current best public offer. Even if you didn’t take advantage of any bonus category, this works out to 14x MR on $10K spend…an absolutely stellar deal.

This Business Gold referral offer DOES have the “Once-in-a-Lifetime” language. If you have had a Business Gold before (or within the last five to seven-ish years), you will not be eligible for this offer. Remember though, that in those cases Amex will almost never do a hard pull and will usually let you know that you’re not eligible for the bonus before you submit the application.

The ideal situation is if you’re in 2-player mode and one of the two can generate the referral. This could add anywhere from 10K -30K additional MR on top what’s offered here. I was able to turn the up the offer on several of my wife’s cards and successfully applied for the increased Business Gold offer on one, so our household will get a total of 145,000 MR from 10,000 spend. Wowza.

Given this, if you are in 2-player mode, make sure you test out ALL of the referral links on your MR earning cards on a variety of browser configurations BEFORE clicking on any links that you see on blogs/social media, etc. And remember that any MR-earning card can refer almost any other MR-earning card (with the exception of the Schwab and Stanley cards), so test out your Everyday Preferred, Blue Business Plus, Platinum etc. Just navigate to the “view all cards with a referral offer” button and click there.

You’ll see the full variety of options, including the ability to select either business or personal cards.

In the event that you can’t get a household referral, we’re going to do something that we almost never do: post a link that may not work for everyone. This is a link with which I’ve been able to generate the increased bonus on more than one browser, more than one time, primarily using Edge, Firefox and some variations of Chrome (and if all else, fails, don’t forget to try it on your mobile device – h/t: reader Brian). That said, it will NOT work for everyone and, remember, DO NOT click through unless you’ve exhausted all of your possible household options first…that is undoubtedly your best course of action.

Direct Link to Offer (Direct Link)

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Tim my 130k Biz Gold referral is working and someone in the FB group wants it. I guess this link didn’t work for him. I tried to tag one of y’all to see if I could post it but I wasn’t able to tag. So please comment on it if I can post it. I don’t want to be kicked out. Thanks.

Kat d

Hi! Please send your link if you can! Thanks so much


I need a moderator to say it’s okay in the FB group or on here.

Jan W

Just got this today! P2’s Amex Gold (personal) had a 30,000 MR referral I sent to myself (P1), where I was offered the 130,000 MR Amex Biz Gold SUB. I was using Chrome, but no incognito, clearing of history, etc. as I had been unable to trigger this offer previously using all the tricks of the deal. This time, I wasn’t even looking for it. Just luck, I guess. So if you’ve been unsuccessful in the past, maybe give it another try…


nice combo 🙂


I can confirm a similar data point. My P2 had this 130k offer today as well and I (p1) applied with it.

David C

I can confirmed that my wife was able to get the 130K bonus for the amex business gold while using my 20K referral, when she was approved today. I may have found a way. First go into incognito (open new tab in incognito on andriod smart phone) and click on an amex business gold referral link on frequentmiler to propagate the 130K. Do not close this tab. Now go to amex login and send a sms message referral link with 70k sign on and get 20K referral to your partner or friend. You can test out by clicking on your referral link without going in incognito (the other tab already have the incognito 130K) and it should have the 130K on regular chrome. I just let my wife sign up with my phone on my opened referral link and she got approved. Thank you to frequentmiler for allowing me to piggy back on their data.

Darren Hitz

I was able to get 130K incognito, but I dont follow how to get the 130K with referral offer to get the additional 25Kish. My player number 2 has the gold business but that link only generates an 80K offer


Approved for 130k. To whoever’s link was used on Friday, enjoy the referral credit.


The 140k offer through the call in number is dead?

Teo Ciorba got approved for 130,000 points yeaaa
I used Firefox and it worked

Last edited 5 months ago by Teo Ciorba

I couldn’t get it to work in Safari or Chrome yet opened a window incognito and it did work. It said since I have a business gold card I am not eligible for the welcome offer, though.

[…] The American Express Business Gold card’s sign-up bonus is now readily available with 130,000 Membership Rewards after $10,000 in spend in three months, both direct and via referral. And by readily available, I mean:– You may need to go incognito– You may need to try mobile and desktop– You may need to sacrifice a drained Metabank Pathward gebit– You may need to try Firefox, Brave, QikFox, or some other browserAs always, maybe try for a second application right after the first. If one is great, two is better right? (Thanks to FM) […]


welp, its because i signed up for the 90k link. youre welcome.


Just approved for the 130k for $10k in 3mo Biz Gold offer using the above clandestine link. Thank you 🙂


Link worked for me using Chrome with incognito mode turned on..


Last had the BGR about 5.5 years ago. Does the 7 year rule apply here?


I would chat with Amex and ask them which cards you have ever had. They’ll return a list to you in a minute or two. If this card’s not on there, you should be good.


Interesting approach – I’ll give it a shot. Thanks!

Summit Hotwani

Both links dead.


Randomly succeeded at getting the 130k today after not succeeding last month. Thanks so much for this post!


After just a few tries, Direct Link #2 worked for me on 11/15 from Edge InPrivate mode for the 130K Gold offer. Thanks!


Ugh, I can’t get it to work and really want it to. Did you have to log into your amex account first or after?


The offer did not come up when I logged into my AMEX account first. When I got the offer without being logged in, the act of logging into my account caused it to go away. 🙁 I logged back out, repeated the steps, got the offer, and completed the application without logging into my AMEX account.

Hope this is helpful to your efforts…


Got the 130K gold business after 7-8 tries:
Used the links above
Private Firefox window
VPN’ed from Seattle area to Dallas using IPVanish


I was able to get the 130K gold business on the first try (normal browser, not-private) with my daughter’s referral link.



Would you mind sharing the link? Thanks!


Can you share the referral link please? The ones above don’t work


I did right after you asked and the post was waiting for approval, when I replied. I am guessing links or referrals may not be allowed.


The link only links to the Platinum card now. Is it dead?


It only shows 90k for the link, but thank you


It was meant for the 130k business gold. You have to go to business cards. The link is personal but got it to show the 130k biz… I see the way I worded it was wrong and made it look like a 130k personal gold ref…sorry.

Last edited 1 year ago by Ace

Nope, tried Chrome incognito, Safari and Edge, all using VPN. I could only get 90K or 70K using the referral link.


For the Biz? Well that Sucks but always roll dice and ymmv


Yes, for Biz Gold.


I was able to refer my wife and signed her up for the 130k offer! Thanks.


Got the 130k offer to appear after trying 10 combinations of VPN/incognito. Success on VPN & regular Firefox. Didn’t apply because I can’t make 10k in 3 months due to other SUB’s unfortunately. Really wanted the BB+ 60k offer, which I received once while logged in & has been eluding me since…


For BB+ you need to spend $15K and get 60k+30k=90k total MR.
For Gold you need to spend $10K and get 130k+10k=140k total MR.
Why do you want BB+ more than Gold?


You get a year to to the BB spend. Gold is 3 months. I have a bunch of spend to make in months 1-6 for other cards… However… I couldn’t resist & went ahead with the gold right after I made that comment. I’ll likely end up paying a bunch of family members utility bills to help 😉


tried chrome, edge, brave – regular and incognito. guess not targeted. best i got was 85k.



Captain Greg

My link continues to generate it. It just came up on the first try again. Let me know if it makes sense to email it to FM.


On my desktop I get 80k, on my phone it’s says Erin referred me to business not gold


The 130k offer is still alive. I was able to bring it up last night using a referral from my Biz Plat card. Used Edge browser, no incognito.


the direct link keeps sayying something went wrong. Anyone else experiencing this?


Same, have tried brave, safari, and firefox. I was able to generate the offer a couple weeks ago but didn’t jump on it then

Art Leyenberger

Nothing worked for the 130k Gold card offer – all browsers, incognito or equivalent modes, even tried using the VPN thing. However, when I tried on my phone it worked and I was approved. Thx everyone. I will soon be another 130k MR richer! 😉


Just got approved! Safari incognito browser on a Mac

Biggie F

Was able to generate a referral link at 20K MR from P1’s Blue Business Plus card which, when dropped into Firefox private/incognito/whatever window generated the 130K Business Gold offer. Did have lifetime language in it, but then P2 had never had this card. Unfroze Experian and applied; P2 approved immediately (will see if there was an actual Experian pull – doubt it).

Interesting point here: Tried to do this a couple of days ago, but was unable to generate the offer from any of P1’s cards. Tried again today: Bingo. Moral: Keep trying.


Great offer but is no one afraid of a possible shut downs by the AMEX RAT team?


is the Platinum 250,000 MR post $30k spend available as NLL?


Success!! I had tried to do this via incognito on my iphone and laptop but repeatedly got the 70,000 offer. Saw the comment here (thanks Queen!) to try private on safari and it worked. Just got approved. 7/9 approx 1500 CST – still good!

Captain Greg

FWIW, the link I sent a few weeks ago continues to bring up the 130k offer pretty regularly too.


Greg, where exactly is that link? Can’t find it.


Also agree that a comparison of these crazy amex offers. Having both the personal gold & platimun and ~25k in forseeable spend has me debating all these recent amex bonuses. Some much needed help from the gurus would be appreciated


I’ve been able to consistently generate the 130k in private mode on iPhone


@Tim @Greg @ Nick

what we need is an article comparing all these mega offers on gold & platinum to help ppl choose.

250k MR: $30k spend Platinum
180k MR: $20k spend Gold
160k MR: $15k spend Platinum NLL
130k MR: $10k spend Gold


Yes, please! A comparison would be great to have and a good point of reference as well!

I’ve been out on vacation for some time so I’m holding off on all these offers until I’m back. Would be great to have a plan to jump in right away.

I was planning to call in for the 250k offer but now I’m not even sure – is it NLL or not?


30 additional minutes of persistence paid off and I generated the 130k offer!

Used Brave Incognito with a VPN set to Miami, opened using the referral link from FrequentMiler’s post….then was able to open a new tab in the incognito browser, drop my P2 link’s in and it also came as 130K.


Wow!! That’s such an amazing find Chris, it worked for me also!! I thought it was impossible for me to generate the 130k with my own referraI. I got it in Mozilla incognito. THANK YOU SO MUCH!!!!!


Thanks so much for the tip on using VPN set to Miami! I was having no luck and as soon as I did that it came right up in Firefox Private mode.

Last edited 1 year ago by Lon

what VPN are you using?

Last edited 1 year ago by slaven

Nord VPN and connecting to Miami server.


thank you. ended up not needing a VPN just more referrals to try out on Brave incognito.


Brave gives ability to use VPN set to Miami?

Last edited 1 year ago by slaven

Brave is just a browser, it does not have a VPN.

Cyberghost VPN is what I used, they have a free 24 hour trial (no CC needed) if you need something just to get this offer to show.


thank you, never used Brave before and noticed it had lots of privacy setting changes so figured maybe it comes with….

I finally got Brave incognito to work on 1 of my 6 referrals.


Has anyone been able to generate a 130K link today (6/18)?

I’ve been able to trigger 85K, but across browsers, VPNs, mobile/desktop devices and referral links have not been able to get higher after an hour or two of trying.


same here


Dang, didn’t get it on my first try but then private mode on Brave pulled it right up. Now unsure what to do- $10k is a lot of spend for me right now. trying to stay under 5/24 though I get pop-ups on all the personal cards anyway (but get prequal offers on the biz side, what gives, Amex?)


So I got the 130k to show up but am receiving a prompt that I am not eligible because I “have or have had” the card– both of which are not accurate. I did recently make myself an AU for my wife’s personal platinum (gold AU card off her platinum account)– any tips or advice? Thanks!


Thanks, I just used Erin’s link and got the offer in a Firefox private window on the first try. Approved and they are rushing the card to me!


Incredible — I was going to apply for this card today anyway. Couldn’t get higher than 85k to show on my computer or phone using Chrome or Firefox, whether in a regular or incognito window, with or without a VPN, using home wi-fi or a mobile network. Tried it on my partner’s phone (same wi-fi network) and it pulled up the 130k on the second try with Tim’s link, in Chrome incognito mode. Maybe because my computer has Amex history and my phone has the Amex app? Confirmed the bonus through chat. Thanks for making this Monday the 13th a lucky one!


I was able to pull up 130K from Tim’s link on the second try. But I can’t recall if I had Gold Business card before. Is it safe to rely on Amex telling me whether I’m eligible?


Is it recent that they have started limiting the bonus as a once per lifetime? Until just a few months ago, I had been getting my gold cards from an Amex rep that sends me applications and I got the bonus offer every time. She moved within the company and could no longer offer me applications so I applied to the standard @ 70k points and it worked. But now I get the popup so it would appear to me that the applications from my old rep were allowing me to circumvent the issue, unelss they recently implemented this limit.


can’t seem to see a 130k offer with any of my links or with Tim’s link. Tried all 3 browsers in private modes. Best I can see is up to 85k for the business gold. Be interested to see if anyone can still see it today.


By mobile, maximum I am able to see is 85k as well.


And over at CHASE…..crickets….


I don’t know if you all have posted about this, but I also see an elevated business platinum offer in my referrals. I can consistently open a 150,000 point offer for $15,000 in spend. Same incognito trick. Only seems to work when referring from some of my cards, but not all. Happy to share the link to test if asked.


I can’t find the “view all cards with a referral offer” button! All I see is the Refer a Friend tab and it only lets me refer whatever card I am signed in on. Can you help?


I generated the 130k offer on the first try with a 30k referral link – desktop computer, chrome browser (non-incognito mode). Awesome deal in two player mode.

Thanks for the heads up guys!


Thanks guys. Worked for me in Firefox too. Didn’t work in Chrome/Safari/Edge.


Yessssss I got the referral link from my account (20k) to show the 130k offer for P2 in Firefox private window after trying Chrome/Edge private browsers with no success. 150k points total for $10k spend, not too shabby at all. Thanks for the tip to try our own referral links in private browsers first, that’s why you guys are the best!


They know the economy is about to fall through the floor…..and so will Membership Rewards.


Tim, I did the rain dance with your link and got it to work on my phone. Tried Edge and Chrome on my computer without success, even in incognito mode, but it worked the first time on my phone. Huge props to you guys for posting that link. I really appreciate it!

[…] Frequent Miler情報によると、人によっては紹介リンクで130kが出てくることもあるようです。 […]