New welcome offer for the Amex Business Gold card valued up to $2,000

The American Express® Business Gold Card serves as a valuable mid-tier option for entrepreneurs.

With attractive bonus categories, generous rewards on Amex Travel purchases, and up to $395 in annual statement credits, there are numerous reasons to include this card in your wallet. Enrollment is necessary for certain benefits, and this doesn't even factor in the welcome offer's worth.

Here’s what you should understand about the value the Amex Business Gold can offer you.

Welcome offer for the Amex Business Gold

Currently, new applicants for the Amex Business Gold can earn 100,000 bonus Membership Rewards points by spending $15,000 within the first three months of card membership.

According to TPG's July 2024 valuations, Membership Rewards points are valued at 2 cents each, making this bonus an impressive $2,000 — one of the top offers in this card's history.

Keep in mind that this card follows Amex's once-per-lifetime rule, meaning only those who have never held the card before can qualify for the bonus.

Earning structure

The Amex Business Gold allows you to earn 4 points for every dollar spent in your top two categories each billing cycle (on up to $150,000 each calendar year, then 1 point per dollar). Amex will automatically identify your top two spending categories monthly based on all posted transactions across six categories (listed below):

• Transit expenses, including trains, taxis, ride-hailing services, ferries, tolls, parking, buses, and subways
• U.S. purchases from electronic goods retailers and software/cloud service providers
• Monthly wireless service charges from U.S. providers
• U.S. purchases at gas stations
• U.S. restaurant purchases, including takeout and delivery
• Purchases for advertising from U.S. media providers in select media (online, TV, radio)

You can earn bonus points on the first $150,000 spent combined in your top two categories each year (then 1 point per dollar). If you maximize this earning potential at the full $150,000 in these categories, you could accumulate an impressive 600,000 bonus points annually, valued at $12,000 based on our July 2024 valuations.

Beyond these bonus categories, you’ll earn 3 points for every dollar spent on flights, prepaid hotels, and prepaid travel packages booked through Amex Travel, plus 1 point for all other purchases.

Benefits

Along with its business-friendly bonus categories, the Amex Business Gold offers the following benefits:

• Up to $240 in annual statement credits (up to $20 per month) for eligible purchases at FedEx, Grubhub, and office supply retailers
• Up to $155 in annual statement credits (up to $12.95 monthly plus applicable taxes on one membership fee) for a monthly Walmart+ membership (subject to auto-renewal)
• Business tools like year-end summaries, automatic expense categorization in Intuit QuickBooks, and a complimentary Vendor Pay by Bill.com membership

Enrollment is necessary.

• Access to The Hotel Collection
• Access to Amex Offers
• Cellphone protection**
• Travel protections, including baggage insurance,* trip delay insurance** and car rental insurance***
• Extended warranty
• Purchase protection

If you can fully utilize up to $395 in annual statement credits, this benefit alone will make the card's $375 annual fee worthwhile (see rates and fees).

*Eligibility and benefit levels vary by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

**Eligibility and benefit levels vary by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Bottom Line

The Amex Business Gold is an excellent choice for small-business owners looking to earn a wealth of valuable Membership Rewards points. It offers a generous welcome bonus, flexible bonus categories, and worthwhile benefits that make it stand out for its simplicity and value.

However, business owners who may not fully utilize the benefits or wish to minimize their annual fees might consider one of our top recommended business credit cards instead.

For more information, check out our comprehensive review of the Amex Business Gold.