American Express® National Bank Business Gold Credit Card
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American Express® National Bank Business Gold Credit Card
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7 reviews
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 16.49% - 24.49% |
| Balance Transfer APR (Variable APR) | 16.49% - 24.49% |
| 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 16.49% up to 24.49%.
- 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 |
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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.
| 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?
Yes, American Express business Gold 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
- Amazon.com
- Car Rentals
- Internet, Cable and Phone Services
- Drug Stores
- Education
- Every Purchase
- Furniture
- Gas stations
- Groceries
- Gyms
- Home Improvement
- Hotels
- Insurance
- Office Supply Stores
- Restaurants
- Retail
- Shipping
- Software, Hardware, Cloud
- Utilities
- Warehouse Clubs
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.
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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
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
View all business credit cards offered by American Express National Bank
Availability
Available in 50 states and Washington, D.C.
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Annual Fee | $295 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | Up to $39 |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $39 |
American Express® National Bank Business Gold Credit Card Community Reviews
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