American Express · Business credit card

American Express Business Gold

American Express Business Gold is a business credit card from American Express. Its recorded annual fee is $375. Browse its rewards, rates, offer conditions and issuer sources below. Confirm current application terms with American Express.

15 source-checked details9 details incomplete or awaiting review

Issuer website checked 2026-10-27. Individual fields show their own source and review state.

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Research by SwitchWize Research Desk · Our methodology

Key card details

“Not verified” means we have not confirmed this detail yet. This does not mean the card lacks the feature.

Annual fee: $375; Read on issuer website; research review pending
Public welcome offer: Not verified; No verified value available
Offer spend requirement: Not verified; No verified value available
Bonus spending deadline: 3 months; Read on issuer website; research review pending
Purchase interest rate (APR), low: 17.99%; Read on issuer website; research review pending
Purchase interest rate (APR), high: 28.74%; Read on issuer website; research review pending
Foreign transaction fee: 0%; Read on issuer website; research review pending
Reward earning rates: 4X on the top two of six eligible categories each billing cycle, up to $150,000 combined per calendar year, then 1X; 3X eligible flights and prepaid hotels through Amex Travel; 1X other eligible purchases.; Read on issuer website; research review pending

Offer and fee conditions

Personalized offer up to 200,000 points after $15,000 eligible purchases in 3 months; exact offer disclosed before acceptance and may be lower or unavailable.

Researched terms and benefits

Annual fee: $375Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Public welcome offer: Not verifiedNo verified value available
Offer reward type: Not verifiedPersonalized offers are not presented as public offers
Offer spend requirement: Not verifiedNo verified value available
Bonus spending deadline: 3 monthsRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer conditions: Personalized offer up to 200,000 points after $15,000 eligible purchases in 3 months; exact offer disclosed before acceptance and may be lower or unavailable.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), low: 17.99%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), high: 28.74%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Foreign transaction fee: 0%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Reward earning rates: 4X on the top two of six eligible categories each billing cycle, up to $150,000 combined per calendar year, then 1X; 3X eligible flights and prepaid hotels through Amex Travel; 1X other eligible purchases.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Statement credits and benefits: Up to $240 flexible business credits ($20/month, enrollment); $300/year ChatGPT Business (enrollment); $150/year Squarespace (enrollment); Walmart+ monthly membership credit up to $12.95 plus applicable taxes, excluding Plus Ups.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Transfer partners: Not verifiedNo verified value available
Repayment structure: Eligible charges can be carried with interest up to the Pay Over Time limit; other charges must be paid in full monthly.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase APR applicability: Variable APR applies to Pay Over Time balances.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal responsibility for repayment: Applicant and company are jointly and severally liable for all account charges.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal credit inquiry: Application authorizes consumer and commercial credit reports. Product page says checking approval has no credit-score impact; accepting an approved card may affect credit scores.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal credit reporting: Not verifiedNo verified value available
Business credit reporting: Not verifiedNo verified value available
Eligible business types: Not verifiedNo verified value available
Application information required: Name, address, date of birth, and other identity-verification information.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card fees: $95 for the first five Employee Business Gold Cards and $95 for each thereafter; no-annual-fee Employee Business Expense Cards are also available; up to 99 employee cards.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card controls: Individual employee spending limits can be set online or by phone; exclusions apply and the account holder remains liable for charges exceeding limits.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗

Questions about Amex Business Gold

What is the annual fee for Amex Business Gold?

$375 Offer and fee conditions: Personalized offer up to 200,000 points after $15,000 eligible purchases in 3 months; exact offer disclosed before acceptance and may be lower or unavailable.

How does Amex Business Gold earn rewards?

4X on the top two of six eligible categories each billing cycle, up to $150,000 combined per calendar year, then 1X; 3X eligible flights and prepaid hotels through Amex Travel; 1X other eligible purchases.

Does applying involve a personal credit check?

Application authorizes consumer and commercial credit reports. Product page says checking approval has no credit-score impact; accepting an approved card may affect credit scores.

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