Last Updated: 05/14/2026
American Express® Business Gold Card
Claimed
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +80
Strongly recommended5 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 10/03/2024)
Annual Fee
$375
Disclaimer popup with additional information
Credit Score Range
N/A
Number of Reviews
American Express® Business Gold Card Review
All information about this card has been collected independently by SuperMoney.
If you're wondering whether American Express® Business Gold Card is the right card for you, read on.Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 4 reward points per dollar spent.
- Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 28.99%.
- 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of American Express® Business Gold Card
| The Good | The Bad |
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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 $375 .
- A late payment penalty of $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- A returned payment fee of $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 | $375 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Returned Payment Fee | $39 |
| Late Payment Fee | $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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 100,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Advertising Services
- Internet, Cable and Phone Services
- Every Purchase
- Gas stations
- Restaurants
- Software, Hardware, Cloud
Does it have a sign up bonus?
Yes. Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
American Express® Business Gold Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about American Express® Business Gold Card has been collected independently by SuperMoney. Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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® Business Gold Card
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Business Credit Cards from American Express® National Bank
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$895
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Credit Score Range
N/A
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$250
Credit Score Range
N/A
Rating not yet determined
Purchase APR
15.74% - 24.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$5K
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$350
Disclaimer popup with additional information
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$650
Disclaimer popup with additional information
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$125
Disclaimer popup with additional information
Credit Score Range
N/A
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
American Express® Business Gold Card Community Reviews
Would you recommend American Express® Business Gold Card to your friends?
EW
Elaine W.
Aug 1, 2023
May or may not recommend
Need a card for cash to pay for large amount applieinces or cash to help bills
YC
Y C.
Mar 12, 2021
May or may not recommend
I have used the American Express® National Bank Business Gold Credit Card for more than a month now. The credit card has given me a very pleasant experience and made me feel valued as a customer. My first couple of days using the card I had issues integrating it into my digital wallet, but the customer service was so quick to respond to my concerns and made me feel valued ...Show More
JA
Jacob A.
Nov 16, 2020
May or may not recommend
AMEX is undeniably a go to company when considering expenses for a business account. I have many friends and associates who strictly use AMEX and the Business Gold card is the most common card I see. I am a part of a business that uses the AMEX to pay for some inventory and travel expenses. Any large company should use American express, but I wouldn't recommend using the AMEX gold ...Show More
Rotem S.
Oct 7, 2020
May or may not recommend
Highly reliable bank and card. Easy to find statements online and understand them. No hidden fees and Highly responsive, reliable and helpful customer service. Easy to manage account and nice and professional banks. Highly recommend. This card also has a very nice design
U
Anonymous
Aug 2, 2015
May or may not recommend
First and foremost, this is a charge card, not a credit card, which means you have to pay up in full every month. The annual fee is pretty hefty too, but not outrageous for the level of service you get. There is no set credit limit and the rewards program is generous. It's a good card for business owners who are doing well and don't carry balances.
Showing 5 of 5 reviews
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