American Business Gold Charge Card Review

The American Express Business Gold card earns 4x points on your top two spending categories each month including airfare, advertising, gas, and dining.

The Business Gold has a $295 annual fee, but comes with several nice benefits such as trip delay protection, baggage insurance, secondary rental car insurance, purchase and return protection, and a 25% bonus when you use your points via Amex Travel.

Deals Points Card Rating:
4/5
American Express Gold Business Credit Card Art

Amex Business Gold Card Information

Application Link: American Express Business Gold.

Current Sign Up Bonus: 70,000 Membership Rewards points.

Recommended Bonus: At least 50,000 Membership Rewards points.

Annual Fee: $295.

Earning Rewards:

  • 4x points on the top two categories below for each billing cycle (up to $150,000 in purchases in the top 2 categories each calendar year):
    • Airfare purchased directly from airlines.
    • U.S. purchases for advertising in select media (online, TV, radio).
    • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions.
    • U.S. purchases at gas stations.
    • U.S. purchases at restaurants, including takeout and delivery.
    • U.S. purchases for shipping.
  • 1x points everywhere else.

Business Gold Card Benefits

Trip Delay Insurance– If your trip is delayed by more than 12 hours, you can seek reimbursement for up to $300 per trip up to twice per year.

Baggage Insurance– This coverage reimburses you for lost, damaged, or stolen baggage up to $1,250 for a carry-on bag and $500 for a checked bag.

25% Airline Bonus– To redeem your points, you can either transfer points to airlines directly or redeem points at 1 cent each on Amex Travel. Business Gold cardholders get a 25% bonus when redeeming points via Amex Travel, which allows you to redeem points at 1.25 cents per point. 

Amex Offers– The Business Gold card, like all American Express cards, has access to Amex Offers, which are special deals at certain retailers. For example, spend $25, get a $10 statement credit. 

Secondary Rental Car Insurance– This secondary coverage pays for any damage to the rental car not covered by your insurance. If you don’t have collision insurance, this coverage is primary coverage.

Return Protection– If a retailer won’t take back an item within 90 days of purchase, American Express may refund the full purchase price up to $300 per item with a maximum of $1,000 per year.

Purchase Protection– This coverage covers the replacement costs of items bought with the card that were stolen or accidentally damaged within the first 90 days up to $1,000 per item.

Extended Warranty– This benefit extends an original manufacturer’s warranty by one year on warranties of 5 years or less.

Redeeming American Express Membership Rewards

You can transfer American Express Membership Rewards to airline and hotel points programs.

Most transfers are at a one Membership Reward point to one airline/hotel point.

Our favorites are ANA Mileage Plan, Avianca LifeMiles, and Iberia Avios.

American Express Logo Membership Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Avios AEROMEXICO LOGO AeroMexico [1 to 1.6]
Air Canada Air Canada Aeroplan Air France Air France/KLM Flying Blue
Alitalia logo Alitalia ANA ANA
Avianca Avianca LifeMiles British Airways British Airways Avios
Cathay Pacific Cathay Pacific Asia Miles Delta Air Lines Delta SkyMiles
El Al El Al [1,000 to 20] Emirates logo Emirates
Etihad Etihad Guest Hawaiian Airlines logo Hawaiian Airlines
Iberia logo Iberia Avios JetBlue JetBlue [250 to 200]
Qantas Logo Qantas Singapore Airlines Singapore KrisFlyer
Virgin Atlantic logo Virgin Atlantic Choice Logo Choice
Hilton Hotels Hilton Honors [1 to 2] Marriott Hotels Marriott Bonvoy

Frequently Asked Questions

You can ONLY earn 4x points when buying directly from one of the following companies from a U.S. location: 

  • Apple
  • CDW
  • Dell
  • HP
  • IBM
  • Intuit
  • Lenovo
  • Microsoft
  • Newegg
  • Oracle
  • Rackspace
  • Sage Software
  • Salesforce.com
  • Symantec
  • Tiger Direct

You can earn 4x points on online, television, and radio advertising as long it is purchased in the U.S. from a U.S. service provider. Examples include, but are not limited to: 

  • Google
  • Facebook
  • Yahoo
  • NBC National Broadcasting
  • CBS Radio

To earn additional rewards for shipping and freight purchases, the purchase must made in the U.S. for courier, postal and freight shipping services. Eligible shipping service companies include UPS, FedEx, and USPS as well as other companies that are primarily in the business of courier, postal, and freight shipping services.