American Express® National Bank Business Gold Credit Card

American Express® National Bank Business Gold Credit Card Review

Key Takeaways

• Business credit card with generous reward rate. You can 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

What are the relevant APRs?

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 offer a cash back or 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
• Every Purchase
• Gas stations
• Restaurants
• Shipping
• Software, Hardware, Cloud

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.

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.