American Express · Business charge
American Express Business Gold Card review
The American Express Business Gold Card earns 4X Membership Rewards points on the two categories where your business spends most each month, chosen automatically from six options, on up to $150,000 a year combined, with no foreign transaction fees. It suits businesses with big spending in categories like advertising, software or restaurants that value transferable points.
Who American Express is best for
US businesses with large spend in a few categories and owners who value transferable travel points.
Businesses wanting a low or no annual fee and teams wanting simple flat cashback.
The American Express Business Gold Card earns 4X Membership Rewards points on the two categories where your business spends most each month, chosen automatically from six options, on up to $150,000 a year combined, with no foreign transaction fees.
It suits businesses with big spending in categories like advertising, software or restaurants that value transferable points. The $375 annual fee is high and a personal guarantee is required, so businesses wanting simple cashback or no guarantee have better options.
Fees, features and eligibility
| Rewards | 4X Membership Rewards points on your top two of six categories each month (up to $150,000 a year combined), then 1X |
|---|---|
| Annual fee | $375 |
| Fees | $375 annual fee |
| Payment terms | Charge card with flexibility to carry some balances |
| Foreign transaction fee | None |
| Card type | Business charge |
| Eligibility | US businesses; good to excellent credit |
| Personal guarantee | Required |
| Currencies | USD |
Source: American Express published product information.
What stands out
Pros
- 4X points on your top two categories each month
- Transferable Membership Rewards points
- No foreign transaction fees
Cons
- $375 annual fee
- 4X capped at $150,000 a year combined
- Personal guarantee required
American Express: common questions
How does the Amex Business Gold 4X work?
Each month you earn 4X points in the two categories, out of six, where your business spends most, on up to $150,000 a year combined. Other purchases earn 1X.
What is the annual fee?
$375.
Does it charge foreign transaction fees?
No.
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