American ExpressBest for Business category spending
American Express® Business Gold Card
Annual Fee
$375/yr
Rewards Rate
1x-4x
Intro Offer
100,000 points
Regular APR
19.49%-27.49% Variable
American Express® Business Gold Card
American Express® Business Gold Card
4x on top 2 spending categories. 100,000-point bonus.
Our take
Automatically earns 4x on your top two spending categories each month (airfare, advertising, gas, shipping, tech, dining). Flexible points transfer to airline partners. Best for businesses with concentrated spend.
Highlights
What we like
4x on top two business spending categories
Points transfer to 20+ airline/hotel partners
100,000-point sign-up bonus
The trade-off
$375 annual fee
$150k annual cap on 4x categories
$10,000 minimum spend for bonus
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1x-4x |
| Rewards type | Points |
| Bonus categories | 4x on top 2 spending categories1x on all |
| Welcome offer | 100,000 points |
| Offer requirements | after $10,000 spend in first 3 months |
Fees & APR
| Annual fee | $375/year |
| Intro APR (purchases) | N/A |
| Ongoing APR | 19.49%-27.49% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $10,000 spend in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
American Express® Business Gold Card