Perqt AI Wallet logo
American Express · synced with issuer page
American Express

Business Gold

Annual fee
$375
Network
amex
Type
business

Earn 4X Membership Rewards points on your top two eligible spending categories each billing cycle (up to $150,000 in combined annual purchases).

American Express Business Gold

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.

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. Welcome offers vary and you may not be eligible for an offer.

Est. value
$2,000
Minimum spend
$15,000
Within
3 mo

Earning rates

  • all_other_purchases
    1×
    pts
    Membership Rewards · Earn 1X Membership Rewards point per dollar spent on all other eligible purchases. Also applies to the capped categories after hitting the $150,000 limit.
  • Top earn
    advertising
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be made in the U.S.
    4×
    pts
    Membership Rewards · U.S. purchases made from merchants in select areas for advertising in online, television, and radio.
  • Top earn
    wireless_phone_services
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be made in the U.S.
    4×
    pts
    Membership Rewards · Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • Top earn
    gas_stations
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be made in the U.S.
    4×
    pts
    Membership Rewards · U.S. purchases at gas stations.
  • Top earn
    transit
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be in the U.S. (except Transit which is global).
    4×
    pts
    Membership Rewards · Includes trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Top earn
    shipping
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be made in the U.S.
    4×
    pts
    Membership Rewards · U.S. purchases for shipping.
  • Top earn
    dining
    4X points apply to the top two select categories where your business spends the most each billing cycle, up to $150,000 in combined annual purchases (then 1X). Purchases must be made in the U.S.
    4×
    pts
    Membership Rewards · U.S. purchases at restaurants, including takeout and delivery.
  • hotels
    Only applies to prepaid hotels booked through AmexTravel.com.
    3×
    pts
    Membership Rewards · Amex Travel · Earn 3X points on prepaid hotels booked on AmexTravel.com.
  • flights
    Only applies to flights booked directly through AmexTravel.com.
    3×
    pts
    Membership Rewards · Amex Travel · Earn 3X points on flights booked on AmexTravel.com.

On-card benefits & credits

  • $100 Hotel Collection Credit
    $100
    /annual

    Valid at properties in The Hotel Collection.

  • Trip Delay Insurance
    $100
    /annual

    Coverage is up to $300 per covered trip.

  • Car Rental Status
    $75
    /annual

    Avis Preferred, Hertz Gold Plus Rewards, and National Car Rental Emerald Club Executive status.

  • Extended Warranty
    $50
    /annual

    Applies to warranties of five years or less on covered purchases.

  • No Foreign Transaction Fees
    $50
    /annual

    Saves ~3% on all foreign currency transactions.

  • Baggage Insurance Plan
    $25
    /annual

    Provides coverage for checked and carry-on bags.

  • $240 Flexible Business Credit
    $20
    /monthly

    Up to $20 in statement credits each month for eligible U.S. purchases.

  • Walmart+ Membership Credit
    $13
    /monthly

    Covers the full cost of a Walmart+ membership ($12.95/month).

Other American Express cards

Is the Business Gold right for your spend?

Drop in your typical monthly spend and we'll show exactly how much this card would earn you — plus how it stacks up against your current wallet.

See your savings