American Express Business Gold Card
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-20
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Rates and fees
- Annual fee
- $375
- Purchase APR
- 17.74%–28.49% variable for eligible Pay Over Time charges; other charges are due in full
- Introductory APR
- No introductory APR listed in this offer
- Balance transfer APR
- No balance-transfer terms listed in the standard card agreement
- Balance transfer fee
- No balance-transfer terms listed in the standard card agreement
- Cash advance APR
- No cash-advance terms listed in the standard card agreement
- Cash advance fee
- No cash-advance terms listed in the standard card agreement
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
Personalized offer as high as 200,000 Membership Rewards points after $15,000 in purchases within 3 months. Your offer may be lower, or you may not qualify.
4x in your top two eligible categories on first $150,000 combined/calendar year
- The basic Business Gold annual fee is $375.
Before you apply
- Employee card fees are additional; check the current schedule.
- Welcome offers vary by applicant; no maximum offer is guaranteed.
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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