American Express® Business Gold Rewards Card® 

Business Card
American Express® Business Gold Rewards Card® 
Welcome Bonus
Up to 110,000 Membership Rewards Points
Annual Fee
  • 10,000 points Quarterly bonus after qualifying purchases
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Interest rates
Purchase Rates
Cash Advance Rates
Balance Transfer Rates

American Express® Business Gold Rewards Card®
Business Card
Up to 110,000 Membership Rewards Points
Apply Now


Earn up to 110,000 bonus Membership Rewards® points.

  • Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.
  • Plus earn 10,000 bonus points, when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year.
  • That’s up to $1,100 in statement credits that can be reinvested in your business.

Earn points that you can redeem in a variety of ways.

  • Earn 1 Membership Rewards® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account..

Access comprehensive insurance coverage for your travel needs.

  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan

Access to coverage for mobile devices purchased for business use.

  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.


Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $199
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%


Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value


Welcome Bonus amount Up to 110,000 Membership Rewards Points
Minimum Spending Required $80,000
Minimum Spending Timeframe (Months) 12 month(s)
Transferable Points
Rewards Type Travel Rewards, Cash back
Transfer Partners Aeroplan, Asia Miles, British Airways Executive Club, Marriott Bonvoy, Marriott Bonvoy, Membership Rewards American Express
Loyalty Program Membership Rewards American Express


Per dollar of purchases

All Spending 1 Membership Rewards Point
Groceries 1 Membership Rewards Point
Gas 1 Membership Rewards Point
Dining and Food delivery 1 Membership Rewards Point
Convenience Stores 1 Membership Rewards Point
Drugstores 1 Membership Rewards Point
Local Transport 1 Membership Rewards Point
Travel 1 Membership Rewards Point
Entertainment 1 Membership Rewards Point
Recurring Payments 1 Membership Rewards Point
Telecom/Internet 1 Membership Rewards Point
Streaming services 1 Membership Rewards Point
Online transactions 1 Membership Rewards Point
Office Supplies 1 Membership Rewards Point


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
1 year
Price Protection
Insurance Document
4 Milesopedia Rating