American Express · Amex
Amex Business Gold
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$375
up to $845/yr in credits if you use them
Current welcome offer
$3,000
Current offer shown; issuer determines eligibility.
Spend $15,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Business Spending
Current welcome offer
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: $3,000Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Auto top 2 eligible spend categories (up to $150k/yr combined)
Cap: $150,000/yr
Auto top 2 eligible spend categories (up to $150k/yr combined)
Cap: $150,000/yr
Point value: ~1.5¢ each
Key Benefits
Credits — if you use them
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
Perks (not counted in our math)
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
Points transfer to 8 airline and hotel partners — often where the highest redemption values live.
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.