American Express · Amex
Amex Business Gold
Annual Fee
$375
After credits: $135
Sign-Up Bonus
$4000
Spend $15,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Business Spending
Sign-Up Bonus
Bonus: 200,000 points
Details: As high as 200,000 Membership Rewards points after $15,000 spend in 3 months. Targeted 'as high as' offer — many applicants see a lower amount.
Requirement: Spend $15,000 in 3 months
Estimated value: $4,000Terms apply.
Reward Categories
Auto top 2 eligible spend categories (up to $150k/yr combined)
Cap: $75,000/yr
Auto top 2 eligible spend categories (up to $150k/yr combined)
Cap: $75,000/yr
Point value: ~2.0¢ each
Key Benefits
Up to $20/month combined across FedEx, Grubhub, and U.S. office supply stores — enrollment required
Up to $25/month on ChatGPT Business (U.S. purchases) — enrollment required
Up to $12.95/month + tax covers a Walmart+ membership — enrollment required
Up to $150/year on Squarespace subscriptions — enrollment required
Pros & Cons
Pros
- + 4x on top 2 categories (auto)
- + Great transfer partners
- + High cap (150k points)
Cons
- - High annual fee
- - $15k spend for the full bonus
- - Categories change monthly
Transfer Partners
Transfer points to 7 airline and hotel partners for potentially higher value.
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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