American Express Business Gold
Annual fee: $375
Sign-Up Bonus
We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.
Value assumptions and offer source
0.6¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.
This offer has not been checked.
Bonus History
No bonus changes detected yet. Current bonus: 200,000 points (~$1,200).
Earning Rates
Card Benefits
- ✓Flexible payment options
- ✓Expense management tools
- ✓Transfer to 20+ airline/hotel partners
- ✓No foreign transaction fees
Why Consider the American Express Business Gold
The American Express Business Gold from American Express offers a 200,000 points sign-up bonus worth approximately $1,200. You need to spend $15,000 in 3 months, which requires planning but is achievable with regular expenses.
As a business card, the American Express Business Gold does not report to personal credit bureaus (for most issuers) and does not count toward Chase's 5/24 limit — though you must be under 5/24 to be approved. You do not need an LLC to apply — sole proprietors with any side income qualify.
Beyond the sign-up bonus, the card earns 4x on top 2 categories each month (up to $150k/yr), Categories: airfare, advertising, gas, shipping, computing, restaurants on top of 1x on all purchases. Membership Rewards points transfer to 15+ airline and hotel partners, often yielding 1.5-2 cents per point.
The $375 annual fee is offset by the card's perks and credits — evaluate which benefits you'd naturally use. The card requires good credit (670+).
American Express Application Rules
Once per lifetime rule on welcome bonuses
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