American Express Business Gold Card — United States
1 Membership Rewards point per USD 1 other eligible spend; 4 on the top two eligible business categories each billing cycle, limited to USD 150,000 combined calendar-year purchases, then 1; 3 on flights and prepaid hotels at AmexTravel.com.
- Annual card + required rewards fees
- $375.00
- Reward currency
- Membership Rewards points
- Card type
- Business card with flexible payment option
- Mileage route
- Bank points
- Record checked
- 2026-10-14
- First-year card fee
- Not verified
How earning and transfers work
Transferable Membership Rewards points; eligible airline partners, ratios and minimums vary. Check the issuer transfer directory before transferring.
Eligibility and important conditions
US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.
The six possible 4X categories are US media advertising, US electronics/software/cloud providers, US restaurants, US gas stations, transit, and US wireless telephone service. From February 17, 2027, select-merchant restrictions apply to advertising and wireless categories. Pay Over Time eligibility is separate.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- Not verified
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- Not verified
Verification and sources
Listed on official product website; application subject to approval
Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.
- www.americanexpress.com — official product or rules
- www.americanexpress.com — official product or rules
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.