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American Express · charge
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Amex Business Gold worth keeping when the fee hits? →
Welcome offer — 100,000 Membership Rewards points after $15,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 4× | Top 2 eligible categories each billing cycle — Up to $150,000/year combined, then 1x Inferred by source |
|---|---|
| 3× | Flights & prepaid hotels via amextravel.com Inferred by source |
| 1× | Everything else Inferred by source |
Amex Membership Rewards points transfer to these loyalty programs. Mostly 1:1 (Hilton 1:2). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Flexible Business credit | $240/yr · monthly Inferred by sourceenroll |
|---|---|
| Walmart+ membership | $155/yr · monthly Inferred by sourceenroll |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Rental car CDW | Secondary, up to $50,000; max 30 consecutive days; no liability coverage for third-party injury or property damage Inferred by source |
|---|---|
| Baggage | Carry-on up to $1,250/person; checked up to $500/person; $250 sub-limit for high-risk items (jewelry, electronics, cameras) Inferred by source |
| Purchase protection | Up to $1,000/covered purchase against theft or accidental damage for 90 days from purchase; up to $50,000/year per card member account Inferred by source |
| Extended warranty | Adds up to 1 year to original manufacturer's warranty of 5 years or less; up to $10,000/item, $50,000/year Inferred by source |
| Trip delay | Up to $300/claim after 12+ hours delay; max 2 claims per 12-month period; covers meals, lodging, toiletries, medication Inferred by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The American Express® Business Gold Card has a $375 annual fee.
Using its non-spend-gated credits fully, the American Express® Business Gold Card returns about $395 in value against its $375 annual fee — a net of +$20 per year. It can pay for itself if you actually use the credits.
The American Express® Business Gold Card earns 4x on top 2 eligible categories each billing cycle, 3x on flights & prepaid hotels via amextravel.com, 1x on everything else.
No — the American Express® Business Gold Card does not include airport lounge access.
Yes — the American Express® Business Gold Card charges a 2.7% foreign transaction fee.
100,000 Membership Rewards points after $15,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.