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American Express® Business Gold
American Express

American Express® Business Gold

A $375-a-year travel rewards card from American Express.

Transfers to airlines & hotels
Annual fee
$375/yr
Welcome bonus
Up to 200,000 Membership Rewards® Points
Min spend
$15,000 in 3 months
Recommended credit
Good to Excellent (700+)
Network
Amex
Foreign transaction fee
None
Apply on American Express site9.0/10Our rating · review ›

Rates, fees, and full terms are set by American Express and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: American Express application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, gas, and travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $375 annual fee.

Earning rates

4x Membership Rewards® points on your top 2 eligible categories each month (auto-selected)

Best ways to earn & redeem

Put your dining, gas, and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Eligible 4x categories: airfare, U.S. restaurants, U.S. gas stations, U.S. shipping, U.S. advertising
$240 flexible business credit ($20/month at select business vendors)
No preset spending limit, adapts to your spending patterns
Employee cards (up to 99) with customizable spend limits
Connect to QuickBooks for simplified expense management
No foreign transaction fees
Trip delay insurance and baggage insurance plan
Purchase protection and extended warranty
Car rental loss and damage insurance

Statement credits

$240 flexible business credit ($20/month at select vendors)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Marriott Bonvoy, Hilton Honors, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full American Express ecosystem, card lineup, and live transfer bonuses →

Alternatives to the American Express® Business Gold

Pairs well with

The American Express® Business Gold is an American Express transfer hub. Pair it with these strong Membership Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Business Gold lands.

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