| Category | Rate | Type | Cap |
|---|---|---|---|
|
Advertising (U.S. Media Providers)
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; U.S. purchases at media providers for advertising in select media (online, TV, radio) only.
|
4x | Points | $150,000/yr |
|
Gas Stations
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; U.S. purchases at gas stations only.
|
4x | Points | $150,000/yr |
|
Restaurants
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; U.S. purchases at restaurants, including takeout and delivery.
|
4x | Points | $150,000/yr |
|
Electronic Goods & Software/Cloud Services
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; U.S. purchases from electronic goods retailers and software & cloud system providers only.
|
4x | Points | $150,000/yr |
|
Wireless Telephone Services
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; monthly wireless telephone service charges billed directly from a U.S. wireless provider only.
|
4x | Points | $150,000/yr |
|
Transit
4X points if this is one of your top 2 spending categories each billing cycle, on up to $150,000 in combined purchases across your top 2 categories per calendar year, then 1x; includes trains, taxicabs, rideshare services, ferries, tolls, parking, and buses/subways in the U.S.
|
4x | Points | $150,000/yr |
|
Flights Booked Through Portal
3X points on flights booked directly on amextravel.com or the Amex Travel App.
|
3x | Points | No cap |
|
Hotel Stays
3X points on prepaid hotels booked directly on amextravel.com or the Amex Travel App.
|
3x | Points | No cap |
|
All Other Purchases
1X points on all other eligible purchases, and 1x on the 4x-eligible categories once the $150,000 combined annual cap on the top 2 categories is reached.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Flexible Business Credit
Receive up to $20 back in statement credits each month (up to $240 annually) on eligible purchases made with FedEx, Grubhub, and at U.S. office supply stores. Enrollment required.
|
Credits |
Up to $240/year
Up to $240
|
|
Walmart+ Credit
Pay for a monthly Walmart+ membership (excluding Plus Ups) with your Business Gold Card and receive a statement credit that covers the full cost each month. Enrollment required.
|
Credits |
Up to $155/year
Up to $155
|
|
Account Management Tools
Access online tools like Spend Manager and Connect to QuickBooks to help organize expenses and streamline accounting.
|
Financial | Complimentary |
|
American Express Business App
Manage your account on the go, add receipts, and categorize transactions using the mobile app.
|
Financial | Complimentary |
|
Employee Cards
Add employee cards to help manage business expenses and track spending. The first Employee Card has no annual fee, and additional Employee Cards are $50 each.
|
Financial | $0 for first, $50 for additional |
|
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your Business Gold Card for purchases made abroad.
|
Financial | 0% fee |
|
Pay Over Time Option
Eligible purchases can be carried over from month to month with interest, giving you flexibility to manage your cash flow.
|
Financial | Flexible payment |
|
Vendor Pay by Bill.com
Integrate your Business Gold Card with Bill.com to pay vendors and manage invoices efficiently.
|
Financial | Complimentary |
|
Extended Warranty
Extends the original manufacturer's warranty by up to one additional year on eligible purchases with a warranty of five years or less.
|
Insurance | Up to 1 additional year |
|
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
|
Insurance | Varies by coverage |
|
Concierge Service
Access to a dedicated concierge service for assistance with dining reservations, event tickets, and other personal requests.
|
Lifestyle | Complimentary |
|
1X Membership Rewards Points on Other Purchases
Earn 1X Membership Rewards point on all other eligible purchases outside of the top 2 categories and after the annual cap is reached.
|
Rewards | 1X points |
|
4X Membership Rewards Points on Top 2 Categories
Earn 4X Membership Rewards points on the 2 select categories where your business spent the most each billing cycle, from a list including U.S. advertising, U.S. technology providers, U.S. gas stations, U.S. restaurants, U.S. shipping, and airfare purchased directly from airlines or amextravel.com.
|
Rewards | 4X points |
|
Annual Cap on 4X Points
The 4X points earning rate applies to the first $150,000 in combined eligible purchases across the top 2 categories each calendar year. After this cap, purchases earn 1X point.
|
Rewards |
Up to $150,000/year
Up to $150,000
|
|
Flexible Membership Rewards Redemption
Redeem Membership Rewards points for travel, gift cards, statement credits, merchandise, or transfer to airline and hotel partners.
|
Rewards | Flexible |
|
Account Alerts
Receive alerts for suspicious activity, large purchases, or payment due dates to help monitor your account.
|
Security | Complimentary |
|
Fraud Protection
American Express helps protect you from fraudulent charges with advanced fraud monitoring and alerts.
|
Security | Complimentary |
|
Zero Fraud Liability
You will not be held responsible for unauthorized charges made on your account.
|
Security | 0% liability |
|
Return Protection
If a merchant won't take back an eligible item within 90 days of purchase, American Express may refund the full purchase price, up to $300 per item.
|
Shopping |
Up to $300 per item
Up to $300
|
|
Baggage Insurance Plan
Coverage for eligible lost, damaged, or stolen baggage when you purchase your entire common carrier ticket with your eligible Card.
|
Travel | Varies by coverage |
|
Car Rental Loss and Damage Insurance
Secondary coverage for damage to or theft of an eligible rental vehicle when you use your Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental counter.
|
Travel | Varies by coverage |
|
Global Assist Hotline
Access to 24/7 emergency assistance services when you travel more than 100 miles from home, including medical, legal, and travel-related coordination services.
|
Travel | Complimentary |
