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American Express Business Gold Card
welcome bonus
150K points after $10K spend in 3 months
credit brand
American Express®
rewards rate
4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.
intro apr
N/A
regular apr
19.49% - 27.49% variable
foreign transaction fee
0%
credit needed
Good/Excellent
annual fee
$295
rate
4.6

Pros

180K after $6K spend in first 6 months.

Earn 4 points per dollar spent on top 2 select business categories.

Get more for your business purchases. Earn up to $20 in statement credits each month 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.

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.

Get 25% points back when booking airfare through AmexTravel.com.

No foreign transaction fees.

Cons

$295 annual fee.

Employee cards cost extra.

High spending requirement for signup bonus.

Reward rates vary, only 1 point per dollar on non-bonus purchases.

Why Choose It

The Amex Business Gold card offers great bonus categories, statement credits, and Membership Rewards for small businesses operating overhead expenses. Top options like dining, shipping and advertising all earn 4x points, while airfare earns 25% back. The spending requirement for the signup bonus is high but it means huge rewards, offsetting the annual fee. For businesses with diverse expenses across multiple categories, the Amex Business Gold card offers flexibility and strong earns.

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compare Cards

cover/name/rate
Welcome bonus
Annual fee
rewards rate
intro apr
regular apr
foreign transaction fee
credit needed
credit brand
American Express Business Gold Card

American Express Business Gold Card

4.6
150K points after $10K spend in 3 months

150K points after $10K spend in 3 months

$295

$295

4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.

4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.

N/A

N/A

19.49% - 27.49% variable

19.49% - 27.49% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

4.8
190K points after $15K spend in the first 3 months

190K points after $15K spend in the first 3 months

$695

$695

5X flights and prepaid hotels at AmexTravel.com. 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year). 1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere

5X flights and prepaid hotels at AmexTravel.com. 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year). 1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere

N/A

N/A

19.49% - 27.49% variable

19.49% - 27.49% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

Chase Aer Lingus Visa Signature® Card

Chase Aer Lingus Visa Signature® Card

4.4
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 months

75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 months

$95

$95

3X British Airways. Iberia, Aer Lingus, and LEVEL. 2X hotel accommodations booked directly with the hotel. 1X elsewhere

3X British Airways. Iberia, Aer Lingus, and LEVEL. 2X hotel accommodations booked directly with the hotel. 1X elsewhere

N/A

N/A

21.49%–28.49% variable

21.49%–28.49% variable

0%

0%

Good/Excellent

Good/Excellent

Visa®

Visa®

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