American Express · Charge card
American Express Business Gold Rewards Card review
The American Express Business Gold Rewards Card is a charge card, so there’s no preset spending limit, but the balance is due in full each month. It earns 1 Membership Rewards point per dollar, plus 10,000 bonus points in each quarter you charge $20,000.
Who American Express is best for
Businesses spending $20,000 or more a quarter, owners who value flexible points over cashback and companies that pay in full every month.
Businesses that need to carry a balance and low-spend businesses that won’t earn back the C$199 fee.
The American Express Business Gold Rewards Card is a charge card, so there’s no preset spending limit, but the balance is due in full each month. It earns 1 Membership Rewards point per dollar, plus 10,000 bonus points in each quarter you charge $20,000.
The annual fee is C$199, and additional cards cost C$50 each. It rewards businesses that spend consistently and can pay in full monthly. Amex has no minimum income requirement for this card.
Fees, features and eligibility
| Rewards | 1 Membership Rewards point per $1; 10,000 bonus points per quarter at $20,000 |
|---|---|
| Annual fee | CA$199 |
| Fees | C$199 annual; C$50 per additional card |
| Payment terms | Due in full monthly |
| Card type | Charge card |
| Eligibility | No minimum income requirement |
| Currencies | CAD |
Source: American Express published product information.
What stands out
Pros
- 10,000 bonus points each quarter you charge $20,000
- No minimum income requirement
- No preset spending limit
Cons
- C$199 annual fee
- Balance due in full each month
- C$50 per additional card
American Express: common questions
Is the Amex Business Gold a credit card or a charge card?
It’s a charge card. Balances are due in full each month.
What is the Amex Business Gold annual fee?
C$199 for the main card and C$50 for each additional card.
How many points does the Amex Business Gold earn?
1 Membership Rewards point per $1, plus 10,000 bonus points each quarter you charge $20,000.
Is there a minimum income requirement?
No.
Used American Express? Help other businesses choose.
