American Express Business Gold Card

American Express® Business Gold Card

ⓘ $1575 1st Yr Value Estimate

130K Points ⓘ Friend-Referral

130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$295 Annual Fee (Annual fee will be $375 for applications received on or after 2/1/24)

Click Here to Apply

This is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer

Alternate Offer: Some people can find a targeted offer for up to 150K points. See this for more details..

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.

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.

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. ✦ 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 transaction 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 when you use the card to pay for monthly Walmart+ membership ✦ 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline) [Note that this rebate ends 2/1/24]. Terms Apply. (Rates & Fees)

Application Tips

Amex Application Tips Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. 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 earning a welcome bonus offer 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)

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