American Express® Business Gold Card Review

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The American Express® Business Gold Card earns 4x points on your top two spending categories each billing cycle up to the first $150,000 in combined purchases from the two categories each calendar year.

The Business Gold also 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.

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • Earn 70,000 Membership Rewards Points After $10,000 in Eligible Purchases in the First 3 Months
  • 4X Points on Purchases in Your Top 2 Business Categories (up to $150,000 in Combined Purchases Per Calendar Year)
  • No Foreign Transaction Fees
  • $295 Annual Fee (Rates and Fees)
Learn More
Terms Apply

Earning Membership Rewards Points

The Business Gold Card earns 4x points on the top 2 categories each billing cycle.

The options for 4x points include:

  • 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. gas stations
  • U.S. restaurants, including takeout and delivery
  • U.S. shipping purchases
4x points apply to the first $150,000 in combined purchases from these 2 categories each calendar year then earn 1 point per dollar.

Business Gold Card Benefits

25% Airline Bonus

There are several ways you can redeem your Membership Rewards 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, up to 250,000 points back per calendar year.

Trip Delay Insurance

You should always buy flights with a credit card that offers trip delay insurance, which reimburses you for things like hotels, food, transportation, and other necessary items.

Flights are increasingly delayed or canceled, and it is too risky to not use card that offers free trip delay insurance. Plus, airlines frequently blame delays on weather or an external factor to get out of paying compensation to passengers.

This benefit can really come in handy during a delay. While other passengers are worried about where to sleep and eat, you can book a nice hotel of your choice and enjoy some nice meals, without worrying about the cost.

Lost Luggage Reimbursement

Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Return Protection

American Express offers return protection which allows you to return an item purchased in total with an eligible card when the retailer refuses to accept the item under its return policy.

Some items are excluded, such as jewelry, plants, perishable items, software, books, formal wear, tickets, and seasonal items.

This coverage is up to $300 per item with a maximum of $1,000 per cardmember year.

Purchase Protection

Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.

For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.

Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 5 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, this card would extend the warranty for free to the fourth year.

Access to Amex Offers

This card has access to Amex Offers, which are deals that are linked to your card, allowing you to save money or earn extra points on shopping, dining, and travel.

For example, there could be an offer such as spending $200+ at Marriott Hotels and Resorts and receiving $50 cash back as a statement credit.

You can find all of your Amex Offers by signing into your American Express account. You will need to “Add to Card” each offer to be eligible for the special offer.

Amex Offers

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.