(EXPIRED) (Targeted) Amex Business Gold: another big welcome offer with no lifetime language

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Another day, another targeted welcome offer for Nick’s wife (it’s not that I’m jealous, it’s just been years since Amex looked at me like that). Yesterday, Nick found a shiny, new welcome offer for the Business Platinum on her account and I guess since they didn’t click through, Amex felt the need to try again with the Business Gold. It’s a significant improvement on the standard offer and does not include AMEX’s once-in-a-lifetime language. I imagine many more will find themselves targeted as well.


The Offers and Key Card Details

Card Offer and Details
American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

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)

It’s worth noting that if you see this message, it means you’re not targeted:

Quick Thoughts

This is effectively the same targeted offer that Amex sent out a couple of weeks ago (which I signed up for 🙇‍♀️), but with an additional 10K for adding an authorized user and spending $1,000 on the card.

The Business Platinum offer that we wrote about yesterday is probably the better of the two if you happen to be targeted for both. Nonetheless, this is a nice welcome offer with less spend and a smaller annual fee. There have also been common reports over the last couple of years of Business Gold customers getting 100K upgrade offers to the Business Platinum within the first year of card membership, which makes for a superb year one haul.  These offers almost always come with no hard-pull, but YMMV.

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Looks like renewed and valid till 6/30


I signed up for this same Biz Gold offer in April last year and upgraded to Biz Plat in Dec for 100k points. Now I have this offer again.

If I sign up and get a Biz Gold card, is there anything preventing me from getting another offer to upgrade to the Biz Plat? Or will Amex require me to cancel the first Biz Plat before getting another upgrade offer?


How much did you have to spend on the card to get the upgrade bonus?


The upgrade offer was 100k for $10k spend. I plan to pay my 2021 taxes to meet the spend (eating Pay1040’s 1.87% fee).

Last edited 4 months ago by Ethan

Question is whether I should sign up for this offer with hopes of getting an upgrade offer to platinum soon after (happened to me in past) or sign up for the 150k platinum offer straight up.
i currently have 1 of each card.

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Wondering why the hate on this card. For my business, which I spend hundreds of thousands of dollars on shipping, this is the BEST card out there.


Given the benefits of this card are almost non-existent, this can be viewed as a straight points purchase opportunity. $295 and the opportunity cost of $10k spend (at 2% that’s $200) buys you 100k points, so 0.5cpp. That’s not bad, but I’d much rather do a signup bonus on a $95 AF card with lower spend requirement for nearly as many points.

Last edited 4 months ago by WR2

When I click on the link, then (not logged in) on the “get business gold”, it says, “sorry, this offer is no longer available”.

Joseph Giorgianni

And of course I applied for and was approved for the card yesterday for 70,000 points. Guess I’ll give them a call.

Joseph Giorgianni

I just called them and I could hear the guy rolling his eyes when I tried to explain it. He was very nice and opened a case. Said I should hear within 24 hours.