Add more color to your business with the Rose Gold Business Card – it has all the same
rewards and benefits as the Classic Gold Card.
Add more color to your business with the Rose Gold Business Card – it has all the same rewards and benefits as the Classic Gold Card.
Earn 4X Membership Rewards ® points on the two categories where your business spends the most each billing cycle from six categories:
While your top two categories 1 may change each billing cycle based on where your business spent the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top two categories from this list each billing cycle will count towards the $150,000 cap.
Get up to $395 annual statement credits 2 on select business purchases including:
$240 Flexible Business Credit
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply stores. This can be an annual savings of up to $240. Enrollment required.
$155 Walmart+ Membership Credit
Cover the cost* of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.
* $12.95 plus eligible taxes. Plus Up Benefits not eligible.
Cash Flow Flexibility
No Preset Spending Limit
Unlike a traditional credit card, your Business Gold Card has no preset spending limit 3 . This unique feature means the amount you can spend adapts based on factors such as your purchase, payment and credit history. If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.
* No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Pay Over Time Option
The Pay Over Time option 3 lets you carry a balance with interest on eligible purchases.
3X Membership Rewards ® points
Earn 3X points on flights and prepaid hotels and prepaid flight and hotel packages booked through AmexTravel.com using your Business Gold Card. 4
Get more value on business purchases you’re making already? That’s golden! The Amex ® Business Gold Card is packed with benefits, like 4X points on your top 2 eligible spending categories every month, on up to $150,000 in purchases per year. 1 And up to $395 in annual statement credits on eligible purchases at select business merchants. 2
Explore all our Business Cards to find the Card that’s right for your business.
Explore some of the other business offerings from American Express.
Get a clearer picture of your cash flow. View your select Amex and linked external business accounts and products all in one place and access free data analytics that can help you make more informed cash flow management decisions for your business. 5
Your business deserves a better way to bank. Earn Membership Rewards ® points, say goodbye to monthly maintenance fees, and get powerful backing with 24/7 (call or chat) support from specialists. 6
Automate your accounts payable process. Get more done in less time, reduce costs, and earn Membership Rewards ® points when you use your eligible Card to pay suppliers. 7
Looking to kickstart your team’s ingenuity? From podcasts to miniseries, dive into inspiring content from entrepreneurs and industry leaders.
Help grow your business with free social media posts, business savings, and on-trend insights.
American Express is committed to backing the success of minority-owned businesses by providing access to funding, resources, and tools to help you further your business’s impact.
Terms & Conditions
1 4x Membership Rewards ® Points on Top Two Categories
How the 4X Points Benefit Works: Basic American Express ® Business Gold Card Members will get at least one Membership Rewards ® point for each dollar of eligible purchases on their Card and on any Employee Cards on their Card Account. Basic Card Members will also get 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from these categories each calendar year across the Card Account. Eligible purchases in excess of $150,000 in a calendar year from these categories across the Card Account will receive only one point per dollar spent.
Determining Your Top 2 Categories To calculate the top 2 categories each billing period, we use the posted account transactions from the Card Account that fall into the 6 categories below and issue additional points based on the 2 categories with the most eligible purchases in that billing period. Basic Card Members will only earn 3 additional points in 2 categories each billing period even if the Card Account has equal eligible purchases in more than 2 categories. The 6 categories that qualify for additional points are: (1) purchases of online, television, and radio advertising made from media providers located in the U.S. in order to promote a business; (2) purchases from electronic goods retailers or software and cloud system providers in the U.S.; (3) restaurants located in the U.S, including takeout and delivery; (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) purchases from merchants whose primary business is transit including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways; and (6) purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider located in the U.S.
Please visit americanexpress.com/rewards-info for more information about rewards and important category exclusions.
General Terms Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card.
2 $395 Statement Credit
$155 Walmart + Subscription: Basic Business Gold Card Members can receive a statement credit for a monthly Walmart+ membership fee ($12.95 plus applicable taxes each month) when a Basic or Additional/Employee Card on the Account is used to pay for a monthly Walmart+ membership. Enrollment in monthly Walmart+ membership is required. Purchases of any membership Plus Up Benefits (for example, Walmart InHome) and purchases of Walmart Business+ memberships are not eligible for this benefit. Purchases by both the enrolled Basic Card Member and Additional/Employee Card Members on the Card Account are eligible for statement credits. However, a statement credit will be provided for only one monthly Walmart+ membership fee per Card Account per month, whether the fee is charged to the Basic Card or an Additional/Employee Card. If you are already enrolled in a monthly Walmart+ membership, the Basic Card Member will begin receiving a monthly statement credit after your monthly Walmart+ membership fee is charged to the Card. If you are enrolled in an annual Walmart+ membership, the Account will not receive monthly statement credits for that annual membership. For the Card Account to receive the credit, you must switch your annual Walmart+ membership, at least one day before your annual renewal date, to a monthly Walmart+ membership. If you do not switch before your renewal date, your annual Walmart+ membership will automatically renew, and the Account will not receive the monthly statement credit for the annual membership fee. To switch your annual Walmart+ membership to a monthly membership, please update your membership type by visiting www.walmart.com/partner/plus/amexbusinessgold or by calling 1 (800) 925-6278. Once enrolled in a monthly Walmart+ membership, your membership will automatically renew each month unless canceled and Walmart will charge the applicable membership fee to the Card Walmart has on file. American Express has no control over the approval process for Walmart+ and does not have access to any information provided to Walmart by the Card Member or by Walmart to the Card Member. Enrollment in the Walmart+ membership program is subject to the full Walmart+ Terms of Use (including the Walmart.com Terms of Use), found here: www.walmart.com/partner/plus/amexbusinessgold/terms. Walmart+ membership is available to all U.S. residents, however, certain benefits of Walmart+ membership (such as free shipping and fuel discounts) are not available in the U.S. territories other than Puerto Rico. For additional information on Walmart+ memberships, including a summary of their benefits and benefit availability, please go to http://www.walmart.com/plus or call 1 (800) 925-6278. American Express has no control over, or responsibility for, the Walmart+ membership program which is subject to change according to the Walmart+ terms.
Please allow up to 6-8 weeks after a qualifying monthly Walmart+ membership fee is charged to the Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible Walmart+ membership purchases. If you do not see a credit for a qualifying purchase on the Card Account after 8 weeks, please call the number on the back of your Card. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. Statement credits may be reversed if an eligible purchase is returned/cancelled. If you are assigned a new Card number or have a Card number on file with Walmart+ that is outdated (for example, if you replace your Card or if your Card has expired), you must update your Card information on file with Walmart+ to help ensure that you receive statement credits for eligible Walmart+ membership fees charged to your eligible Card. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. For additional information, call the number on the back of your Card.
$240 Flexible Business Credit: Enrollment is required to receive the benefit. Only the Basic Card Member or Account Manager(s) on a U.S. Business Gold Card Account can enroll the Card Account in the benefit. U.S. Business Gold Rewards and Classic Business Gold Card Members are not eligible to enroll. Please note, enrollment may take up to 24 hours to process. Basic Card Members can receive up to a total of $20 in statement credits each month on eligible U.S. purchases made across all Cards on the Card Account directly with FedEx, Grubhub, and at U.S. Office Supply Stores (“Select Business Merchants”). See additional details and restrictions below. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Purchases by both the Basic Card Member and any Additional/Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $20 in statement credits per calendar month, for a total of $240 per calendar year in statement credits across the Card Account. Purchases of prepaid or gift cards from third-party retailers for use at these participating partners are not eligible for this benefit. Other restrictions may apply to each partner, see each partner’s terms & conditions for more information.
FedEx: Eligible purchases include qualifying services paid for on-site at U.S. FedEx locations, via the U.S. FedEx website, or billed to a U.S. FedEx account that is linked to a Card on your Business Gold Card Account. Eligible purchases include in-store and online purchases with FedEx Express and FedEx Ground shipping services. Qualifying Services include: FedEx Priority Overnight®, FedEx Standard Overnight®, FedEx 2Day®, FedEx 2Day® A.M., FedEx Express Saver®, FedEx 1Day® Freight, FedEx 2Day® Freight, FedEx 3Day® Freight, FedEx International Priority®, FedEx International Economy®, FedEx International Priority® Freight, FedEx International Economy® Freight, FedEx Ground®, FedEx International Ground®, FedEx Home Delivery®, shipping transactions made via FedEx Ship Manager® and FedEx Ship Manager® Lite, and shipping through FedEx® Compatible solutions. Excludes invoiced payments, such as FedEx® Billing Online (FBO), Electronic Data Interchange (EDI), and paper invoices, international duties and taxes, other brands (FedEx Custom Critical®, FedEx Freight, FedEx TechConnect®, FedEx Office, FedEx Trade Networks, FedEx Cross Border, FedEx Authorized ShipCenter®), FedEx SameDay®, FedEx Delivery Manager®, FedEx® Cold Shipping Solution, and non-shipping product purchases or services. Use of FedEx service is subject to the terms and conditions of the FedEx Service Guide in effect at time of shipment and available at www.fedex.com/serviceguide. FedEx reserves the right to modify the FedEx Service Guide at any time without notice.
Grubhub: Eligible purchases include U.S. purchases made at Grubhub.com, on the Grubhub app, Seamless.com and on the Seamless app. Excludes Grubhub Corporate.
U.S. Office Supply Stores: Eligible purchases include purchases at U.S. Office Supply Stores. U.S. Office Supply Stores are in the business of selling a range of office supplies including items like paper, notebooks, office equipment (e.g., fax machines and printers) and office furniture (e.g., desks, desk chairs and filing cabinets). For additional information please visit https://www.americanexpress.com/us/rewards-info/business.html.
Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Business Gold Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant to process transactions within the same calendar month that you made the purchase in order to apply the $20 monthly statement credit in the month that it was intended. For example, if you make an eligible purchase on the last day of the month, but the merchant doesn't process that transaction until the next day, then the statement credit would be applied in the following month. To determine eligibility for certain bonus categories, Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for rewards. A purchase with a merchant will not earn rewards if the merchant’s code is not included in a reward category. Basic Card Members may not receive a statement credit if we receive inaccurate information or are otherwise unable to identify a purchase as eligible for a reward category. For example, Basic Card Members may not receive the statement credit when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. To receive statement credits, Card Account(s) must not be canceled and not past due at the time of statement credit fulfillment. Statement credits may be reversed if an eligible purchase is returned/canceled. Statement credits for eligible purchases, or any reversal of a statement credit, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. For additional information, call the number on the back of your Card.
3 Pay Over Time
Eligible Charges: Eligible charges made by you or any additional Card Member on your account can be paid over time. Ineligible charges and any charge that would cause your Pay Over Time balance to exceed your Pay Over Time Limit will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us. In addition, statement credits for eligible purchases, or any reversals of a statement credit, may be applied to either your Pay Over Time balance or Pay In Full balance regardless of where the eligible purchases originally posted.
Pay Over Time Settings: The Pay Over Time option on your account is initially set to On. There are two settings, On and Off. When set to On, eligible charges will be placed in your Pay Over Time balance. When set to Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account or calling the number on the back of your Card.
Interest on your Pay Over Time balance: For transactions added to your Pay Over Time balance, we will charge interest beginning on the date of each transaction. We will not charge interest on charges added to your Pay Over Time balance if you pay your account Total New Balance by the due date each month. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.
Pay Over Time Limit: We assign a Pay Over Time Limit to your account. Your Pay Over Time Limit is the amount you may carry as a balance. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time Limit. Any charges that would cause the total balance to exceed your Pay Over Time Limit will be due in full. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Limit may be different than the total amount you are allowed to spend on your Card.
No Preset Spending Limit: No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.
4 3x MR at AmexTravel.com
Basic American Express® Business Gold Card Members will get at least one Membership Rewards® point for each dollar of eligible travel purchases on their Card and on any Employee Cards on their Card Account. Basic Card Members will get 2 additional points (for a total of 3 points) for each dollar spent on eligible travel purchases on their Business Gold Card Account from American Express. Eligible travel purchases include scheduled flights and prepaid flight+hotel packages made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel over the phone with our Travel Consultants or made online at AmexTravel.com, minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight+hotel packages booked over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 3X Membership Rewards® points, the booking must be both reserved and charged on the Basic or Additional/Employee Card on the Card Account. To modify a reservation, you can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. To be eligible for the 3X Membership Rewards® points, any changes to an existing reservation must be made through the same method as your original booking. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 3X Membership Rewards® point benefit. To be eligible to receive extra points, Card Account(s) must not be cancelled or past due at the time of extra points fulfillment. If a booking is canceled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit.
Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.
Please visit americanexpress.com/rewards-info for more information about rewards.
American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.
California CST#1022318; Washington UBI#600-469-694
Terms and Conditions for the Membership Rewards ® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
5 American Express Business Blueprint™
With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboards at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank accounts they choose to link to Business Blueprint.
The information provided through My Insights, an American Express Business Blueprint™ feature, does not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business.
Data provided by My Insights, an American Express Business Blueprint™ feature, is based on customers' select business products, which include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, American Express® Business Credit Cards, and the eligible external business bank accounts that customers choose to link to Business Blueprint.
6 Business Checking
7 American Express One AP®
American Express One AP ® may not be available to all customers. To access the service, all customers will be required to enroll their eligible U.S.-issued American Express ® Business, Corporate, or Corporate Purchasing Card. There is no fee to use the service for customers electing to process only Card payments. Use of additional payment methods require activation and a monthly platform access fee of $200 which will automatically renew each month, unless the service is canceled or all additional payments methods are deactivated, as applicable. With the monthly platform access fee, to the extent used, the first 400 check transactions and first 400 automated ACH transactions each month are complimentary, after which point a fee of $1.00 per check and $0.35 per automated ACH transaction will apply. Fees are subject to change. Sales tax on fees may apply. All fees associated with American Express One AP ® will be auto billed on a quarterly basis to the first Card enrolled for the service. Customers may cancel the service or activate/deactivate additional payment methods by contacting their American Express® representative. To make a Card payment to a supplier through the service, the supplier must be an American Express accepting merchant and agree to accept American Express virtual Card payments. To learn more, please contact your American Express® representative.
New York: The American Express One AP ® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. California: The American Express One AP ® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. Georgia: The American Express One AP service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed by the Georgia Department of Banking and Finance.
