- Click APPLY NOW to apply online.
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- Rates & Fees
American Express® Business Gold Card
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
American Express® Business Gold Card
An Advertising Partner
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Annual Fee$375
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Regular APR17.74% - 28.49% Variable
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Rewards Rate
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Terms Apply
1X - 4X points -
Credit NeededGood / Excellent
Bottom Line
American Express® Business Gold Card is a great business card with a generous rewards program. You can earn a large amount of points that you can easily redeem, while also enjoying a whole menu of other handy, business-friendly features. To see rates & fees for American Express® Business Gold Card, please click here.
Our Take
The Good
As a cardholder, you can earn extra points in the two eligible categories where your business spends the most each month, maximizing your rewards (on the first $150,000 in combined purchases in these categories).
The Not So Good
American Express® Business Gold Card is a business card, so it's not designed for individual use or for someone intending to carry a balance. The annual fee is also higher than most.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: None
- Balance Transfer Fee: N/A
- Penalty APR: 29.99% Variable
Ongoing Information
- Rewards Rate: Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. Terms Apply
- Annual Fee: $375
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.
Expert Reviews
From the CompareCards.com Editorial Team, updated on May 12, 2026
American Express® Business Gold Card is a handy business card that's perfect for frequent travelers and those who charge all their business needs to their credit card.
As a cardholder, you will earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. Terms Apply
To see rates and fees for the American Express® Business Gold Card, please click here.
Expert Reviews of American Express® Business Gold Card
Related Card Offers
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNone
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Credit Needed
Bottom Line
This card is ideal for growing, revenue-generating businesses that need flexible access to capital. Review your funding limits and repayment terms to see how the Flex Line can work for your business.
Our Take
The Good
We like that the spending limit for this business card grows as your revenue grows, and you can get your funds deposited straight into your bank account.
The Not So Good
This card does not earn rewards, and it also presents some risks since you can sell a portion of your future earnings to get funds now.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Rated Excellent on Trustpilot with 800+ reviews
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
See Additional Details for Revenued Business Card
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Annual FeeN/A
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Welcome OfferN/A
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Rewards Rate5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
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Credit Needed
Bottom Line
HIGHLIGHTS
- Click APPLY NOW to apply online.
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- No annual fee.
- 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
- $50 annual statement credit after $5,000 in purchases made through the Travel Center when using your card.
- $0 fee ExtendPay offer annually (3 months).
- Additional benefits include Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for U.S. Bank Business Shield™ Visa® Card
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Annual Fee$0 intro annual fee for the first year, $95 thereafter.
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Welcome OfferN/A
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Rewards Rate
- 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- 2X points on dining, takeout, restaurant delivery and cell service providers.
- 1X points on all other eligible spend.
5X - 1X points -
Credit Needed
Bottom Line
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for U.S. Bank Business Altitude® Connect Visa Signature® Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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