American Express Business Gold Card review

The Business Gold Card earns 4X Membership Rewards points in the two categories where the business spends the most each billing cycle, chosen from six, on the first $150,000 in combined purchases each calendar year, then 1X. Eligible categories include U.S. advertising in select media and U.S. purchases of electronic goods, software and cloud systems. The annual fee is $375, and each Employee Business Gold Card costs $95, with up to 99 on an account. American Express offsets part of the fee with a $240 Flexible Business Credit, paid as up to $20 a month in statement credits for eligible purchases at Grubhub, office supply stores and UPS.com, with enrollment required. The card has no foreign transaction fees, offers Pay Over Time on eligible charges, and can send employee transactions and receipts to QuickBooks daily. It earns the most on this list for a business with large ad or tech bills, but the fee and paid employee cards cost more than every other option.

Who it is for

businesses with large ad, tech or restaurant spend that want points

Price

$375 annual fee; Employee Business Gold Cards $95 each.

Annual Fee: $375
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 4X Membership Rewards points in the top 2 of 6 eligible categories each billing cycle, on the first $150,000 in combined purchases each calendar year
• Eligible 4X categories include U.S. advertising in select media and U.S. electronic goods, software and cloud system purchases
• $240 Flexible Business Credit: up to $20 a month in statement credits at Grubhub, office supply stores and UPS.com, enrollment required
• Pay Over Time option on eligible charges
• No foreign transaction fees

Strengths and weaknesses

• Strength: 4X adjusts automatically to the two categories where you spend most
• Strength: High $150,000 yearly cap on 4X earning
• Strength: Connect to QuickBooks sends employee transactions and receipts daily
• Weakness: $375 annual fee, the highest on this list
• Weakness: Employee Business Gold Cards cost $95 each
• Weakness: Monthly statement credits require enrollment and use at specific merchants

Key facts

• Annual fee: $375
• Top rate: 4X in top 2 of 6 categories, first $150,000 a year
• Employee cards: $95 each, up to 99
• Foreign transaction fee: None

Where it ranks

American Express Business Gold Card is No. 9 in our Best Business Credit Cards verdict and No. 9 in Best Corporate Cards for Startups.