American Express Business Gold Rewards Credit Card

Card Details
Rewards	Earn 4× Membership Rewards® points on your top two eligible business categories each month (from a list of six categories), on up to $150,000 in combined spending per year. Earn 3× points on flights and prepaid hotels booked via Amex Travel. Earn 1× point on other purchases
Signup Bonus	100,000 Membership Rewards® points after you spend $15,000 on eligible purchases in your first 3 months.
Annual Fee	$375
Cardmember Agreement	View Here
Cash Advance APR	Cash advances are not allowed.
Cash Advance Fee	Cash advances are not allowed.
Late Payment Fee	Up to $39, or 2.99% of any past-due "Pay in Full" amount, whichever is greater.
Purchases APR	Variable, approximately 18.24% – 28.99%, depending on creditworthiness.
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Express Business Gold Card stands out for its flexible rewards structure, letting you earn 4X points on your top two spending categories each month, plus useful business-friendly credits. It does carry a hefty annual fee, but many businesses say the card easily pays for itself when spending aligns with the bonus categories.

Most users say they love the high earning potential, especially in categories like tech, advertising, gas, and dining. Many reviewers mentioned that the automatic category selection (Amex picks your top two each month) makes it feel effortless to maximize points. People also appreciate the solid travel perks, including 3X points on flights and hotels booked through Amex Travel.

On the flip side, some cardholders complain that the annual fee feels steep, especially if they don’t consistently spend in bonus categories. Others note occasional frustrations with merchant coding, where purchases don’t always earn 4X as expected. A few reviewers also wish the card included lounge access or more premium travel features.

Personally, I think the Business Gold is best for growing businesses with concentrated spending in a couple of big categories. If that’s you, the rewards can be huge. But if your spending is more scattered—or you want luxury travel perks—you might find better value elsewhere.