AM
American Express

American Express® Business Gold Card

$0 Annual Fee
See terms Purchase APR
Points Reward Type
Browse Cards American Express American Express® Business Gold Card

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 4x
Point Value~0.02¢ each
Travel Portal3x
Annual Cap$150,000
ExpirationMembership Rewards points have no expiration date as long as the card account remains open and in good standing, though points can be forfeited upon account cancellation, negative balance, or late payment.
Transfer PartnersAer Lingus, Aeromexico, Air Canada, Air France/KLM Flying Blue, ANA, Avianca, British Airways, Cathay Pacific, Delta Air Lines, Emirates, Etihad Airways, Iberia, JetBlue, Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantic, Choice Privileges, Hilton Honors, Marriott Bonvoy
Redemption NotesCash redemptions and statement credits typically yield around 0.6 cents per point versus roughly 2 cents per point for optimal travel transfers; transfers to certain U.S. airline programs (e.g., Delta, JetBlue) incur an excise tax offset fee of $0.0006 per point, capped at $99 per transaction.
CategoryRateTypeCap
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
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