American Express® Business Gold Card
Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)
Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]
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.
Card Type: Amex Pay Over Time Card
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.
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)
Rewards
| Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide. |
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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American Express® Business Gold Card Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV) Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21] |
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Got targeted today for the 90k after $10k in 3 mos + 10k for AU offer
[…] American Express® Business Gold Card […]
Just accepted offer that was a popup when logging into account. 90k points after 10k spend in 3 months
Getting a targeted 100k offer of 90k with $10k spend in 3mo PLUS 10k with $1k spend in 3mo on AU card, says valid thru 12/31/21
[…] Amex Business Gold: Earn 4X Membership Rewards 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. […]
[…] Business Gold Rewards Up to 4X** EveryDay Preferred Up to 3X* […]
[…] Business Gold: 25% Airline Bonus. Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year. […]
[…] the heels of the new (and well regarded) consumer Gold card, Amex introduced their new Business Gold card… and the world shrugged. Why? Both cards offer up to 4X rewards in two categories of […]