If you’re a business owner looking to earn Membership Rewards points in popular bonus categories, the American Express® Business Gold Card is an excellent option.
In addition to its advantageous point-earning opportunities, the card offers solid statement credits and an exceptional welcome offer — all in exchange for a $375 annual fee (see rates and fees).
Are you eligible for this mid-tier business card? Here’s what you need to know.
Amex Business Gold welcome offer
When you apply for the Amex Business Gold, you can find out your offer and see if you are eligible for as high as 200,000 bonus points after spending $15,000 on purchases in your first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Since TPG’s April 2026 valuations place Membership Rewards points at 2 points each, this bonus could be worth up to $4,000.
If you’re eligible for the most valuable offer available, you could bring in a substantial haul of points. You’ll also want to factor in the high spending requirement for this card when you’re deciding if it’s right for you.
Remember that this card is subject to Amex’s once-per-lifetime rule. So, you’re only eligible for a bonus if you’ve never held the card before.
Related: How to redeem Membership Rewards for maximum value
Amex Business Gold benefits
Standout features of the Amex Business Gold include its flexible earning rates and valuable business-related statement credits.
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Earning rates
With this card, you’ll earn 4 points per dollar spent in your top two spending categories each billing cycle (on up to $150,000 each calendar year, then 1 point per dollar spent).
Amex will automatically determine your top two categories of business spending every month by using all posted account transactions that fall into the six categories:
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- Purchases at U.S. media providers for advertising in select media (online, radio, TV)
- Transit purchases, including buses, ferries, parking, ride-hailing services, subways, taxicabs, tolls and trains
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases made from electronic goods retailers, and software and cloud system providers
Cardmembers also earn 3 points per dollar spent on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™.
Statement credits
In addition to its business-friendly bonus categories, the Amex Business Gold provides these benefits:
- Up to $240 in statement credits annually (up to $20 per month) for eligible U.S. purchases at FedEx (through 10/1/26), Grubhub and office supply stores^
- Up to $155 in statement credits annually (up to $12.95 per month plus applicable taxes) for one monthly Walmart+ membership (subject to auto-renewal; Plus Ups not eligible)^
^Enrollment is required.
If you can maximize the card’s annual statement credits, these two benefits total to $395, which offsets the card’s $375 annual fee.
Other benefits
Finally, the Amex Business Gold comes with several additional benefits for cardmembers to enjoy:
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
***Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
Related: Is the Amex Business Gold worth the annual fee?
Bottom line
If you’re a business owner all-in on Membership Rewards points, the Amex Business Gold is a great choice for you.
Between its solid benefits, high earning rates and potentially lucrative welcome offer, this card provides excellent value for those looking for a mid-tier business card. Plus, if you’re eligible for the highest offer available on the card, it’s a can’t-miss.
To learn more, read our full review of the Amex Business Gold.
Apply here: Amex Business Gold
For rates and fees of the Amex Business Gold Card, click here.
