LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Credit Cards / Business
Credit card review

American Express Business Gold Card Review

American ExpressAmexBusiness

American Express Business Gold Card earned 4.5 / 5 in our 2026 review. The American Express Business Gold Card earns 4x on top 2 business categories with a $375 annual fee, a 70,000 Membership Rewards points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
American Express American Express Business Gold Card credit card
Apply at American Express Compare all cards
TL;DR
Annual fee
$375
Signup bonus
$1,400
Top reward rate
4x on top 2 business categories
Intro APR
None
Issuer
American Express
Network
Amex
Min credit score
690
Fintiex rating
4.5 / 5
Pros
  • +4x Membership Rewards points in your top 2 eligible categories each billing cycle (from: advertising, gas, dining, transit, tech providers, shipping, and other eligible U.S. purchases)
  • +4x capped at $150,000 in combined purchases per year
  • +No foreign transaction fees
  • +70,000 bonus points after spending $10,000 in first 3 months
  • +$240 in flexible business credits annually ($20/month toward Hilton, Hyatt, or certain select merchants)
  • +Points transfer to 20+ airline and hotel partners at 1:1
  • +Employee cards (up to 99) at no additional annual fee
  • +Vendor Pay by Bill.com included
  • +Purchase protection and extended warranty
Cons
  • -$375 annual fee
  • -$150,000 annual cap on 4x categories (then 1x)
  • -$10,000 spend required for signup bonus
  • -4x auto-selects your top 2 categories, which may not always align with preferences
  • -Not accepted everywhere Visa/Mastercard are

Rewards detail

top 2 business categories
4x
everything else
1x

Fintiex values American Express points at about 2.00 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$375
Purchase APR
19.49% to 28.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.49% to 28.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The American Express Business Gold Card is built for people who want a business card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best business cards roundup.

Compare with similar cards

Chase
Ink Business Preferred Credit Card
3x on travel
$95 fee→
Chase
Ink Business Cash Credit Card
5% on office supply stores
$0 fee→
Brex
Brex Business Credit Card
7x on rideshare
$0 fee→
Capital One
Spark Cash Plus for Business
5% on hotels capital one travel
$150 fee→

Frequently asked questions

Does the American Express Business Gold Card have a foreign transaction fee?
No. The American Express Business Gold Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the American Express Business Gold Card?
Approvals typically start around a FICO score of 690, but American Express prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the American Express Business Gold Card signup bonus?
New cardholders earn 70,000 Membership Rewards points after spending $10,000 in the first few months. Fintiex values that at about $1,400 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the American Express Business Gold Card have a 0% intro APR offer?
No. The American Express Business Gold Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.49% to 28.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the American Express Business Gold Card?
$375 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the American Express Business Gold Card worth it?
Fintiex rates the American Express Business Gold Card 4.5 out of 5 for 2026. It is best for business. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

Ready to apply for the American Express Business Gold Card?

Takes about 5 minutes. Most applicants see a decision in seconds.

Apply at American Express Compare other cards