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.

a screenshot of a credit card

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 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)

Quick Thoughts

a screenshot of a computer
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.

a close up of a sign

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 1 year 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!