Targeted 90K Membership Rewards points offer


Earlier, we reported an increased public offer on the Amex Business Gold card. A friend then pointed out that redditors had reported a fantastic targeted offer out on the Business Gold that’s good for 90,000 Membership Rewards points after spending $10,000 on eligible purchases in the first three months. While those playing in 2-player mode may come out a bit better off with referral points, this deal could certainly be very attractive for some.

The Offer

  • There is a targeted offer out on the Amex Business Gold card that is good for 90,000 Membership Rewards points after spending $10,000 on purchases in the first three months
  • Direct link to see if you are targeted (after clicking “Add Business Gold”, you’ll be prompted to log in and if it says the offer is no longer available you are not targeted).

Key Card Details

Clicking the card information below will bring you to our dedicated card page with the current public offer on this card. To see if you are eligible for the targeted offer, see the link above.

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.

$295 Annual Fee (Annual fee will be $375 for applications received on or after 2/1/24)
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 ✦ 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)

Quick Thoughts

This is a terrific offer for the Business Gold card and the additional 20K points offered here over the public offer certainly may be worth more to some folks than the $150 credit for US shipping purchases and $150 credit for US advertising purchases that are found on that public offer.

If you are playing in 2-player mode and have never had the Business Gold card before, you may be better off having Player 1 refer Player 2 to pick up even more total points between the two of you. However, one nice thing about the targeted offer above is that it looks like there is no lifetime language in the offer. It’s always worth double checking the terms before you apply, but that might make a difference for some folks.

As noted above, after clicking through to open the page and clicking “Add Business Gold”, you will be prompted to log in to see if you are eligible for the offer. If you receive a message saying the offer is no longer available or you get redirected to other offers, you are not targeted.

Keep in mind that an advantage here is that this card won’t add to one’s 5/24 count and it provides a nice bonus.

H/T: A friend and reddit

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

oldest most voted
Inline Feedbacks
View all comments