Business Gold

Annual fee: $375
Network: amex
Type: business

Earn 4X Membership Rewards points on the two eligible categories where your business spends the most each billing cycle (up to $150,000 in combined purchases annually, then 1X), plus 1X points on all other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$690

What the issuer advertises.

02Realistic

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$690 of the advertised value — 100% — comes with strings attached.

Why Perqt says this

$690 advertised across 3 benefits.
$690 (100%) needs a booking, enrollment, or deadline.
Biggest credit — $300 ChatGPT Business Credit, $300 — only via ChatGPT.
No-hoops value covers 0% of the annual fee.

Better fit if

You book travel through ChatGPT.
4× on 2 categories where your business spends the most in each billing cycle from 6 categories matches your spend.

Probably not if

You book direct, not via ChatGPT.
You want the fee covered without chasing — $375 short.

How Perqt calculates this

Welcome offer

Earn as high as 200,000 Membership Rewards points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership.

Minimum spend: $15,000
Within: 3 mo

Earning rates

All Other Eligible Purchases
1×
pts
Membership Rewards
Top earn
2 categories where your business spends the most in each billing cycle from 6 categories
on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter).
4×
pts
Membership Rewards
Flights & Pre-Paid Hotels
3×
pts
Membership Rewards · AmexTravel.com
The Hotel Collection
when you make a prepaid booking of two nights or more
3×
pts
Membership Rewards · AmexTravel.com or the Amex Travel App™

On-card benefits & credits

$300 ChatGPT Business Credit
$300
/Annual
Get up to $300 back per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required.
$150 Squarespace Credit
$150
/Annual
Get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Enrollment required.
$240 Flexible Business Credit
$20
/Monthly
Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.
$155 Walmart+ Credit
$13
/Monthly
Receive up to $12.95 plus applicable taxes back each month after paying for one monthly Walmart+ membership with the Card; Plus Ups are excluded.
Car Rental Loss and Damage Insurance
$0
/As needed
Secondary coverage for damage to or theft of a rental vehicle in a Covered Territory when you reserve and pay for the entire rental and decline CDW.
Employee Cards
$0
/Annual
Add up to 99 Employee Cards with a no annual fee option to earn points on employee purchases.
Vendor Pay by BILL
$0
/As needed
Get started with Vendor Pay by BILL by enrolling your eligible American Express® Business, Corporate, or Corporate Purchasing Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users.
Trip Delay Insurance
$0
/As needed
Reimbursement for certain additional expenses if a round-trip is delayed more than 12 hours for a covered reason. Maximum 2 claims per 12 months.
Extended Warranty
$0
/As needed
Extends the terms of the Original Manufacturer’s Warranty up to one additional year on warranties of 5 years or less.
Global Assist® Hotline
$0
/As needed
Whenever you travel more than 100 miles from home, assistance is available 24/7 for emergency coordination.
Baggage Insurance Plan
$0
/As needed
Coverage for lost, damaged, or stolen Baggage when purchasing the Entire Fare for a Common Carrier Vehicle ticket.
The Hotel Collection
$0
/As needed
$100 credit toward eligible charges and a room upgrade on arrival (when available) per prepaid booking of two nights or more with The Hotel Collection. Per booking — counted only when realized, not as recurring annual value.
Purchase Protection
$0
/As needed
Protection for up to 90 days from the covered purchase date if stolen or accidentally damaged. Limited up to $1,000 per purchase and $50,000 per calendar year.
Amex Special Ticket Access
$0
/As needed
Access to Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music and more, plus additional perks at select events.
Cell Phone Protection
$0
/As needed
Reimbursement for repair or replacement of damaged or stolen cell phone, up to $800 per claim, 2 claims per 12-month period, $50 deductible.
No Foreign Transaction Fees
$0
/As needed
Pay no foreign transaction fees on international purchases.

Other American Express cards

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