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


Another day, another targeted welcome offer from Amex. Today, Greg found a shiny, new welcome offer for the Business Gold on his account. It’s a significant improvement on the standard offer and does not include AMEX’s once-in-a-lifetime language. I imagine many folks will find themselves targeted.

The Offers and Key Card Details

Card Offer and Details
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)
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 ✦ 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)

It’s worth noting that if you see this message (or something like it), it means you’re not targeted:

Quick Thoughts

This is effectively the same targeted offer that Amex has been sending out periodically over the last few months, which offers an increased bonus as well as an additional 10K for adding an authorized user and spending $1,000 on the “employee” card. This new link has a listed expiry of 5/31/23

There are plenty of various AMEX links out there, you may want to check out this post to see what’s still around. That said this is definitely a nice welcome offer with reasonable spend and not having once-in-a-lifetime language makes it very appealing. 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 if you’re targeted.  These offers almost always come with no hard-pull, but YMMV.

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