American Express Business Gold Card Review


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  • Target Bonus: 50,000 Membership Rewards Points
  • Current Bonus: 50,000 Membership Rewards Points

Annual Fee: $295

Earning Membership Rewards Points

  • 4x points on two of the following categories that you spend the most each billing cycle:
    • Airfare directly with airline
    • U.S. purchases for advertising in select media
    • U.S. purchases at gas stations
    • U.S. purchases for shipping
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers.
  • 1x everywhere else.

Note- The 4x points only applies to first $150,000 in combined purchased per calendar year from the top two categories

Business Gold Card Benefits

  • 25% points back after you book a flight and pay with points
  • No foreign transaction fees
  • Extended warranty
  • 120-day purchase protection
  • 90-day return protection
  • Roadside assistance
  • Baggage insurance
  • Travel accident insurance
  • The Hotel Collection ($75 hotel credit plus upgrades on stays for 2 or more nights, but you don’t earn hotel points or elite benefits)
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