Card Economics

Annual Fee: $375
Ongoing Annual Value: $517
First-Year Value Estimate: $2,385
Net Value: +$142

Card type: BusinessForeign transaction fee: NoneCurrency: American Express Membership Rewards

Business Gold

Sign-up Bonus

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)

Am I eligible?

Earning Structure

4XMonthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.6%

4XTransit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways6%

4XU.S. purchases at gas stations6%

4XU.S. purchases at media providers for advertising in select media (online, TV, radio)6%

4XU.S. purchases at restaurants, including takeout and delivery6%

4XU.S. purchases from electronic goods retailers and software & cloud system providers6%

3XFlights booked through Amex Travel4.5%

3XPrepaid hotels booked through Amex Travel4.5%

1XAll other purchases1.5%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.?Is this the best card for Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways?Is this the best card for U.S. purchases at gas stations?

Where this card ranks

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

Worth it for me?

Credits & Perks (5)

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)
Flexible Business: $20 (Monthly)
Enrollment required. Valid for FedEx, Grubhub, and office supply stores
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