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  American Express® National Bank Business Gold Credit Card

American Express® National Bank Business Gold Credit Card

in Business Credit Cards from American Express National Bank

Claimed

American Express® National Bank Business Gold Credit Card

Claimed

in Business Credit Cards from American Express National Bank

Net Recommendation Score +75

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +75, equating to 4.5 on a 5 point rating scale.

+75

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

3 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating

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Purchase APR  (Variable APR) 14.24% - 22.24%
Balance Transfer APR  (Variable APR) 14.24% - 22.24%
Credit Score Range 680 - 850
Annual Fee $295

American Express® National Bank Business Gold Credit Card Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 4 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 70000 points after spending $10,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. American Express® National Bank Business Gold Credit Card has a variable purchase APR that ranges from 14.24% up to 22.24%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of American Express business Gold card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere American Express® National Bank Business Gold Credit Card is accepted.
  • American Express® National Bank Business Gold Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $295
American Express business Gold card FAQ

Who is American Express business Gold card designed for?

What are the relevant APRs?

American Express business Gold card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $295.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

American Express business Gold card Fees
Fees Amount
Annual Fee $295
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Every Purchase
  • Gas stations
  • Restaurants
  • Shipping
  • Software, Hardware, Cloud

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 70000 points signup bonus after you spend $10000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does American Express® National Bank Business Gold Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Business Gold Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Express® National Bank Business Gold Credit Card

Earn 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from the list below, plus earn 1X on other purchases. The Pay Over Time option on the Card lets you carry a balance with interest on eligible purchases of $100 or more. Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back. Either book any class flight with your selected qualifying airline, or a First or Business class flight. You can get up to 250,000 points back per calendar year.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all business credit cards offered by American Express National Bank

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee $295
Late Fee Amount Up to $39
Returned Payment Fee Up to $39
Customer Type Business
Minimum Age 18
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
No Blackout Dates
No Reward Expiration Period
Rewards Categories
  • Advertising Services
  • Airfare
  • Gas
  • Restaurants
  • Shipping
  • Every Purchase
  • Software, Hardware, Cloud
Signup Bonus (points) 70,000
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 14.24% - 22.24%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 14.24% - 22.24%
Balance Transfer APR (Variable APR) 14.24% - 22.24%
Card Network American Express
Card Type
  • Rewards
  • Charge Card

American Express® National Bank Business Gold Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +75, equating to 4.5 on a 5 point rating scale.

+75

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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