American Express® Business Gold Card
Businesses with rotating expenses
Annual Fee
$375
Bonus Value
$4,000
Rating
4.5/5
Category
Business
Sign-Up Bonus
200,000 Membership Rewards points after $15,000 spend in 3 months
Estimated value: $4,000
Rewards Rate
4X on top 2 spending categories (up to $150K/year combined), 1X everything else
Key Perks & Benefits
- +4X on top 2 categories each month
- +Categories: airfare, advertising, gas, restaurants, shipping, tech
- +25% airline points rebate via Amex Travel
- +Flexible payment options
- +No foreign transaction fees
Pros & Cons
Pros
- +200K bonus via referral
- +Auto 4X on top categories
- +Flexible spend
Cons
- -$375 fee
- -High minimum spend
The Bottom Line
The American Express® Business Gold Card is best suited for businesses with rotating expenses. With a $375 annual fee, the card needs to deliver at least that much in value through its perks and rewards to be worthwhile. The current sign-up bonus is worth an estimated $4,000, making this a strong time to apply.
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Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed or approved by any of these entities. Credit card offers are subject to change. Please verify terms and conditions on the issuer's website before applying. Some links may be affiliate links — see our disclosure.