Business Gold
American Express$375 a yearNo foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to200,000points
after $15,000 in purchases in the first 3 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
First year
$3,015
Each year after
+$260
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)200,000 points at 1.5¢ | $3,000 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$240 |
| Credits you'll likely useof $340 face value | +$225 |
| Annual fee | −$375 |
| Meeting the $15,000 minimumearns 1.5% here vs 2% on Double Cash | −$75 |
| First year at the advertised maximum | $3,015 |
| Each year after | +$260 |
Not counted in the first year: protections (each year after counts them).
No ads, no paid placement · Your wallet, your math
Earning
| Rate | Category | Return |
|---|---|---|
| 4X | U.S. purchases at restaurants | 6% |
| 4X | U.S. purchases at gas stations | 6% |
| 3X | Flights booked through Amex Travel | 4.5% |
| 3X | Prepaid hotels booked through Amex Travel | 4.5% |
| 1X | Everything else | 1.5% |
+ 4 more rates
| Rate | Category | Return |
|---|---|---|
| 4X | Transit purchases | 6% |
| 4X | Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. | 6% |
| 4X | U.S. purchases at media providers for advertising in select mediaonline, TV, radio | 6% |
| 4X | U.S. purchases from electronic goods retailers and software & cloud system providers | 6% |
Noteworthy perks
- Flexible Business$240 a year
- The Hotel Collection$100 a year
Business card · Earns American Express Membership Rewards · Authorized user fee $95
Is this the best card for U.S. purchases at restaurants?Is this the best card for U.S. purchases at gas stations?Is this the best card for Flights booked through Amex Travel?
Where this card ranks
- Listed among 147 cards for dining6.0%
- Listed among 111 cards for gas6.0%
- Listed among 82 cards for transit6.0%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (5)
- Flexible Business: $20 (Monthly)
Enrollment required. Valid for Grubhub, office supply stores, and small-parcel shipments purchased at UPS.com with the enrolled Card and tendered to UPS. Excludes The UPS Store, UPS Access Point, UPS My Choice, Parcel Pro, UPS Air Cargo, retail chains, UPS Supply Chain Solutions, and third-party/intermediary purchases.
- ChatGPT Business: $300 (Annual Calendar Year)
Enrollment required. Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions made directly with OpenAI, where OpenAI is the merchant of record.
- The Hotel Collection: $100 (Annual Calendar Year)
Book two nights or more at The Hotel Collection through Amex Travel to receive a $100 credit towards eligible charges (plus room upgrades when available)
- Walmart+: $13 (Monthly)
Covers full cost of Walmart+ monthly membership ($12.95/mo plus applicable taxes). Must subscribe monthly, not annually. Enrollment required.
- Squarespace: $150 (Annual Calendar Year)
Enrollment required. For U.S. purchases with Squarespace or AcuityScheduling.com. Allow 6-8 weeks for credits to post.
Protections (7)
- Travel Accident Insurance, up to $100,000, Up to $100,000 accidental death and dismemberment coverage when full fare charged to card
- Trip Delay, up to $300, Up to $300 reimbursement for delays of 12+ hours, max 2 claims per 12 months
- Baggage Insurance, up to $1,250, Up to $1,250 for carry-on baggage, $500 for checked baggage, per person, in excess of carrier coverage
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage up to $1,000 per claim, $50,000 per calendar year
- Extended Warranty, Extends warranty by up to 1 year (original warranty max 5 years)
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage for rental car damage or theft, up to $50,000
- Cell Phone Protection, up to $800, Up to $800 per claim with $50 deductible, max 2 claims per year. Excludes cosmetic damage.
Other Perks
- No preset spending limit - amount varies based on creditworthiness, payment history, and relationship with Amex
- Global Assist Hotline for emergency assistance while traveling
The American Express Business Premium family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to no_preset_limitOct 11, 2026
- changed from Description: Amex pays 4X on the two eligible categories you spend the most in each billing cycle (up to $150K combined a year). Pick the two you're aiming for and Miles will keep your spend pointed at them -- the other four earn 1X on this card.; Id: amex_biz_gold_top_2_categories; Kind: commitment; Name: Top 2 Spend Categories; Options: Id: wireless; Label: Wireless Telephone Service; Categories: phone; Match categories: wireless; cell phone; phone service; wireless telephone service; Id: transit; Label: Transit; Categories: transit; rideshare; Match categories: transit; rideshare; parking; tolls; taxi; trains; buses; subway; ferries; Id: gas; Label: Gas Stations; Categories: gas; Match categories: gas; gas stations; Id: advertising; Label: Advertising in Select Media; Categories: advertising; Match categories: advertising; online advertising; media advertising; Id: dining; Label: Restaurants; Categories: dining; Match categories: dining; restaurants; Id: electronics_software; Label: Electronics, Software & Cloud; Categories: electronics; software; Match categories: electronics; electronics stores; software; cloud services; Select count: 2; Source: Options mirror this card's own six 4X reward_multipliers rows. Amex applies 4X to the two with the most spend each billing cycle; the holder steers which two by where they put spend, so the pick gates the rate (kind: commitment) rather than only annotating it (kind: hint). to Description: Amex automatically applies 4X to your two highest-spend eligible categories each billing cycle, on up to $150,000 combined per calendar year. Tell Miles one or two categories you plan to use this card for. Miles uses those assumptions in recommendations; this does not select categories with Amex.; Id: amex_biz_gold_top_2_categories; Kind: commitment; Name: Top 2 Spend Categories; Options: Id: wireless; Label: Wireless Telephone Service; Categories: phone; Match categories: wireless; cell phone; phone service; wireless telephone service; Id: transit; Label: Transit; Categories: transit; rideshare; Match categories: transit; rideshare; parking; tolls; taxi; trains; buses; subway; ferries; Id: gas; Label: Gas Stations; Categories: gas; Match categories: gas; gas stations; Id: advertising; Label: Advertising in Select Media; Categories: advertising; Match categories: advertising; online advertising; media advertising; Id: dining; Label: Restaurants; Categories: dining; Match categories: dining; restaurants; Id: electronics_software; Label: Electronics, Software & Cloud; Categories: electronics; software; Match categories: electronics; electronics stores; software; cloud services; Select count: 2; Source: Amex calculates the two highest-spend eligible categories from posted transactions each billing period (https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/, read 10/11/26). These picks are the holder's spending assumptions for Miles, not issuer enrollment. min_select_count allows one assumption; select_count caps assumptions at two.; Min select count: 1Oct 11, 2026
- changed from You may be eligible for as high as 200K Membership Rewards® Points after spending $15k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. (Rates & Fees) to You may be eligible for as high as 200K Membership Rewards® Points after spending $15k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply.Oct 11, 2026
- changed from null to Amex Business GoldOct 8, 2026
- changed from $95 for the first five cards, then $95 for each additional card to 95Sep 30, 2026
- changed from null to The $95 covers the first one to five Additional Business Gold Cards together, then $95 for each card after five.Sep 30, 2026
- changed from Description: Amex pays 4X on the two eligible categories you spend the most in each billing cycle (up to $150K combined a year). Pick the two you're aiming for and Miles will keep your spend pointed at them -- the other four earn 1X on this card.; Id: amex_biz_gold_top_2_categories; Kind: commitment; Name: Top 2 Spend Categories; Options: Id: wireless; Label: Wireless Telephone Service; Match categories: wireless; cell phone; phone service; wireless telephone service; Id: transit; Label: Transit; Match categories: transit; rideshare; parking; tolls; taxi; trains; buses; subway; ferries; Id: gas; Label: Gas Stations; Match categories: gas; gas stations; Id: advertising; Label: Advertising in Select Media; Match categories: advertising; online advertising; media advertising; Id: dining; Label: Restaurants; Match categories: dining; restaurants; Id: electronics_software; Label: Electronics, Software & Cloud; Match categories: electronics; electronics stores; software; cloud services; Select count: 2; Source: Options mirror this card's own six 4X reward_multipliers rows. Amex applies 4X to the two with the most spend each billing cycle; the holder steers which two by where they put spend, so the pick gates the rate (kind: commitment) rather than only annotating it (kind: hint). to Description: Amex pays 4X on the two eligible categories you spend the most in each billing cycle (up to $150K combined a year). Pick the two you're aiming for and Miles will keep your spend pointed at them -- the other four earn 1X on this card.; Id: amex_biz_gold_top_2_categories; Kind: commitment; Name: Top 2 Spend Categories; Options: Id: wireless; Label: Wireless Telephone Service; Categories: phone; Match categories: wireless; cell phone; phone service; wireless telephone service; Id: transit; Label: Transit; Categories: transit; rideshare; Match categories: transit; rideshare; parking; tolls; taxi; trains; buses; subway; ferries; Id: gas; Label: Gas Stations; Categories: gas; Match categories: gas; gas stations; Id: advertising; Label: Advertising in Select Media; Categories: advertising; Match categories: advertising; online advertising; media advertising; Id: dining; Label: Restaurants; Categories: dining; Match categories: dining; restaurants; Id: electronics_software; Label: Electronics, Software & Cloud; Categories: electronics; software; Match categories: electronics; electronics stores; software; cloud services; Select count: 2; Source: Options mirror this card's own six 4X reward_multipliers rows. Amex applies 4X to the two with the most spend each billing cycle; the holder steers which two by where they put spend, so the pick gates the rate (kind: commitment) rather than only annotating it (kind: hint).Sep 25, 2026
- changed from null to Description: Amex pays 4X on the two eligible categories you spend the most in each billing cycle (up to $150K combined a year). Pick the two you're aiming for and Miles will keep your spend pointed at them -- the other four earn 1X on this card.; Id: amex_biz_gold_top_2_categories; Kind: commitment; Name: Top 2 Spend Categories; Options: Id: wireless; Label: Wireless Telephone Service; Match categories: wireless; cell phone; phone service; wireless telephone service; Id: transit; Label: Transit; Match categories: transit; rideshare; parking; tolls; taxi; trains; buses; subway; ferries; Id: gas; Label: Gas Stations; Match categories: gas; gas stations; Id: advertising; Label: Advertising in Select Media; Match categories: advertising; online advertising; media advertising; Id: dining; Label: Restaurants; Match categories: dining; restaurants; Id: electronics_software; Label: Electronics, Software & Cloud; Match categories: electronics; electronics stores; software; cloud services; Select count: 2; Source: Options mirror this card's own six 4X reward_multipliers rows. Amex applies 4X to the two with the most spend each billing cycle; the holder steers which two by where they put spend, so the pick gates the rate (kind: commitment) rather than only annotating it (kind: hint).Sep 10, 2026
- changed from null to chargeSep 2, 2026
- changed from null to 15000Aug 13, 2026
- changed from null to 90Aug 13, 2026
Last updated: October 18, 2026