Amex Business Gold
- Annual fee
- $375
- Earns
- Amex Membership Rewards points
- Point value
- 2 CPP
- Credits a year
- Up to $390
Welcome offer
Earn 200,000 Amex Membership Rewards points after you spend $15,000 in 3 months
≈ $4,000 at 2 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Dining | 4x | 8% |
| Gas | 4x | 8% |
| Travel booked through AmexTravel | 3x | 6% |
| Travel | 1x | 2% |
| Groceries | 1x | 2% |
| Everything else | 1x | 2% |
Return is what each $1 of spend is worth with points valued at 2 CPP.
Credits and benefits
- Walmart Plus$12.50 a month
- Flexible Business$20 a month
Up to $390 a year if you use every credit. Track them in the benefits tracker
Transfer partners for Amex Membership Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| AeroMexico | 1:1.6 | 2-12 days |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| ANA | 1:1 | 2-3 days |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 5:4 | 1-7 days |
| Choice | 1:1 | Almost Instant |
| Delta | 1:1 | Almost Instant |
| Emirates | 5:4 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Hilton Honors | 1:2 | Up to 24 hours |
| Iberia | 1:1 | 1-3 days |
| JetBlue | 1:0.8 | Almost Instant |
| LHF Leaders Club | 4:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | Almost instant |
| Qantas Airways | 1:1 | Almost instant |
| Qatar Airways | 1:1 | Almost instant |
| Singapore Airlines | 1:1 | 1-2 days |
| Virgin Atlantic | 1:1 | 1-2 days |
Application rules
Once per lifetime
You may not get the Business Gold's welcome bonus if you have or have had it before. Amex can also withhold the bonus based on your history with Amex and how many cards you've opened and closed, and it tells you before it processes your application, so you can withdraw.
Charge card
This card has no preset spending limit, so it doesn't count toward Amex's limit of about five credit cards or its one-in-five-days and two-in-90-days approval limits. Amex usually allows up to about ten of these cards at once.
Product changes
- Upgrade to Business Platinum · Amex lets you upgrade with no credit check, and sometimes offers an upgrade bonus in your account; otherwise the upgrade earns no bonus.
- Downgrade to Business Green · You keep your Membership Rewards points. Moving to the Business Green means you've had it, so you likely won't get its welcome bonus later.
About the Amex Business Gold
The Amex Business Gold is a business American Express card from Amex with a $375 annual fee that earns Amex Membership Rewards points. It earns 4x on dining, 4x on gas, 3x on travel booked through AmexTravel and 1x on everything else. The current welcome offer: earn 200,000 Amex Membership Rewards points after you spend $15,000 in 3 months. It comes with 2 statement credits worth up to $390 a year if you use them all. Points transfer to 20 airline and hotel partners, including Aer Lingus, AeroMexico and Air Canada Aeroplan. AwardHack values Amex Membership Rewards points at 2 CPP.
Frequently asked questions
What is the Amex Business Gold annual fee?
The Amex Business Gold has a $375 annual fee. Its statement credits add up to $390 a year if you use all of them.
What is the Amex Business Gold welcome bonus?
Earn 200,000 Amex Membership Rewards points after you spend $15,000 in 3 months. AwardHack values that at about $4,000.
Does the Amex Business Gold include airport lounge access?
No, the Amex Business Gold doesn't include airport lounge access.
Where can I transfer Amex Membership Rewards points?
To 20 partners: Aer Lingus (1:1), AeroMexico (1:1.6), Air Canada Aeroplan (1:1), ANA (1:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (5:4), Choice (1:1), Delta (1:1), Emirates (5:4), Flying Blue AIR FRANCE KLM (1:1), Hilton Honors (1:2), Iberia (1:1), JetBlue (1:0.8), LHF Leaders Club (4:1), Marriott Bonvoy (1:1), Qantas Airways (1:1), Qatar Airways (1:1), Singapore Airlines (1:1) and Virgin Atlantic (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.