For small business owners, the American Express® Business Gold Card offers you the opportunity to earn 100,000 Membership Rewards pointsafter you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Update 10/1/24: You can earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories.
Editor’s Note: If you have a side business such as selling on eBay, Craigslist, or do freelance work, then your business is called “sole proprietorship.” Simply use your name as business ID and Social Security number as tax ID.
American Express Business Gold Card Summary
 The American Express® Business Gold Card offers 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.* 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.* You'll earn more rewards: • 4X Membership Rewards(R) points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* • 3X Membership Rewards(R) points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.* This card does carry a $375 annual fee, but no foreign transaction fees. (See Rates & Fees) Terms Apply. |
Redeeming Membership Rewards Points
Membership Rewards points earned can be redeemed for general merchandise, travel, transportation (including Uber rides), gift cards, and statement credits.
Redemption minimums start at 1,000 and vary by redemption method. Generally, Membership Rewards points are worth 1 cent apiece when redeemed for merchandise.
When redeeming for statement credits, they’re worth way less than that. You can also transfer points to one of American Express’s 16 partner airlines.
I highly recommend redeeming your points for travel.
Therefore, your points earned with the Amex Business Gold card are worth 1.25 cents apiece when redeemed for airfare. This makes them much more valuable than the average rewards card value.
American Express Business Gold Benefits
The Amex Business Gold card comes with standard travel and purchase protections.
These include 24/7 global assistance, 24/7 roadside assistance, baggage insurance for stolen or damaged luggage, and extended warranties on all purchased items with original warranties of five years or less. Some other benefits you should know about are:
- No Foreign Transaction Fee. The Amex Business Gold doesn’t have a foreign transaction fee (see Rates & Fees), a nice perk for cardmembers who travel outside the U.S. often. Many competing business cards charge up to 3%.
- No Charge for Roadside Assistance. Many cards offer roadside assistance benefits. However, it’s usually a business trick, since you’re responsible for whatever charges you might incur. The Amex Business Gold card actually pays for services rendered, up to four times in a calendar year. This includes towing (up to 10 miles), a jump-start, and tire changes.
Conclusion
Take advantage of what the American Express® Business Gold Card has to offer. Small business owners earn 4 Membership Rewards points per $1 spent in 2 popular spending categories, up to $150,000 spent.
These programs will allow you to grow your business even more.
Check this card out if you want some amazing perks and benefits. Or if you’re not interested, find our complete list of credit card promotions today!
Please visit americanexpress.com/benefitsguide for more details.
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