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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.

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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
  • Generous reward rate. You will get a rewards rate of up to 4 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 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® National Bank Business Gold Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple 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® National Bank Business Gold Credit Card FAQ

Who is American Express® National Bank Business Gold Credit Card designed for?

What are the relevant APRs for American Express® National Bank Business Gold Credit Card?

American Express® National Bank Business Gold Credit Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the American Express® National Bank Business Gold Credit Card fees?

The following fees apply to American Express® National Bank Business Gold Credit Card:

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

Does American Express® National Bank Business Gold Credit Card have a foreign transaction fee?

American Express® National Bank Business Gold 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® National Bank Business Gold Credit Card Fees
Fees Amount
Annual Fee $295
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Is there a American Express® National Bank Business Gold Credit Card cash back or rewards program?

American Express® National Bank Business Gold Credit Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

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

Does American Express® National Bank Business Gold Credit Card have a signup bonus?

American Express® National Bank Business Gold Credit Card doesn't offer a cash signup bonus.

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

Does American Express® National Bank Business Gold Credit Card offer an annual loyalty bonus?

American Express® National Bank Business Gold Credit Card doesn't offer a cash loyalty bonus.

What are the American Express® National Bank Business Gold Credit Card benefits?

American Express® National Bank Business Gold 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

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 for American Express® National Bank Business Gold Credit Card

  • 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.

Feature Breakdown

Every Purchase (Points) Earn 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle from, plus earn 1X on other purchases
Every Purchase (Points) 1
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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