American Express Business Gold
Overview
The Business Gold card is a solid card for anyone with considerable spend in its 4x bonus categories.
For anyone else, you’ll enjoy a large signup bonus in year one, but will struggle to justify the card in year two and on. The $240 in credits fall well short of its hefty $375 annual fee, even factoring in the included Walmart+ membership.
Basic Information
- Cardholder Type
- Business
- Network / Type
- Amex
- Earns
- American Express Membership Rewards
- Annual Fee
- $375
- Card Type
- Charge
- Foreign Transaction Fees
- No
Earnings
- 4x
Top Two Categories
US advertising, electronics/cloud computing, dining, gas, transit, wireless. Capped at $150k.
- 3x Portal Flights
- 3x Portal Hotels
- 1x Everywhere Else
Credits
- $240 Flexible Business Credit
- Monthly: $20 per month on FedEx, Grubhub, and Office Supply stores.
Memberships
- Walmart Plus
- Implemented as a monthly statement credit.
Travel and Purchase Protections
- Baggage Insurance
Up to $1,250 for carry-ons and $500 for checked baggage. - Car Rental Insurance
Up to $50,000 for damages in secondary coverage. Excludes certain cars and countries. Does not include liability. - Cell Phone Protection
Up to $800, subject to a $50 deductible. - Extended Warranty
Up to $10,000 per item during one year extension to manufacturer's warranty of five years or less. - Global Assist
Coordination services when things go wrong: lost passport, luggage, legal, medical, etc. - Purchase Protection
Up to $1,000 per purchase against accident or theft in the first 90 days. - Trip Delay Insurance
Up to $300 dollars after 12 hours. Requires round-trip.
All policies may:
- Have terms, conditions and exclusions not listed here.
- Require purchases be made with the card for a business purpose.
For exact terms, please carefully read your cardholder agreement.