Amex Business Gold Card Review

A comprehensive analysis of the American Express Business Gold Card..

The American Express Business Gold Card is a rewards credit card that offers a variety of features and benefits, including:

Rewards:

• 4 Membership Rewards points per dollar at two US select business categories where you spend the most each month on eligible purchases, up to $150,000 per calendar year, then 1 point per dollar
• 3 points per dollar on flights booked directly with airlines or on amextravel.com, on prepaid hotels booked on amextravel.com, and on US transit and commuting via eligible rideshare services
• 1 point per dollar on all other eligible purchases

Welcome offer:

• Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first 3 months of card membership (terms apply).

0% APR offer:

• 0% intro APR on purchases for 12 months, then 17.49% - 25.49% variable APR applies.
• Balance transfers are subject to a 3% fee, plus 17.49% - 25.49% variable APR.

Rates and fees:

• Annual fee: $295 ($375 if application is received on or after 2/1/24)
• Foreign transaction fee: 2.7%

Other cardholder perks:

• Purchase protection
• Extended warranty protection
• Travel accident insurance
• Auto rental collision damage waiver
• Cell phone protection
• Trip cancellation/interruption insurance
• Global Assist hot line

Analysis:

The American Express Business Gold Card is a great option for businesses that spend a lot of money on travel, office supplies, and shipping. The card's bonus rewards rates on these categories are some of the highest on the market.

The card also offers a generous welcome offer and a 0% intro APR on purchases for 12 months, making it a good choice for businesses that are looking to save money on interest charges.

However, it is important to note that the card does have a relatively high annual fee and a foreign transaction fee. So, it is important to weigh the pros and cons of the card before deciding whether or not it is right for you.

Here is a more detailed analysis of the card's strengths and weaknesses:

Strengths:

• High bonus rewards rate on travel, office supplies, and shipping
• Generous welcome offer
• 0% intro APR on purchases for 12 months
• Purchase protection
• Extended warranty protection
• Travel accident insurance
• Auto rental collision damage waiver
• Cell phone protection
• Trip cancellation/interruption insurance

Weaknesses:

• Relatively high annual fee
• Foreign transaction fee

Overall:

The American Express Business Gold Card is a great option for businesses that spend a lot of money on travel, office supplies, and shipping. The card's bonus rewards rates on these categories are some of the highest on the market.

However, it is important to note that the card does have a relatively high annual fee and a foreign transaction fee. So, it is important to weigh the pros and cons of the card before deciding whether or not it is right for you.

Is the American Express Business Gold Card right for you?

If you are a business owner who spends a lot of money on travel, office supplies, and shipping, then the American Express Business Gold Card could be a good option for you. The card offers high bonus rewards rates on these categories, as well as a variety of other benefits, such as purchase protection and extended warranty protection.

However, it is important to keep in mind that the card does have a relatively high annual fee and a foreign transaction fee. So, it is important to weigh the pros and cons of the card before deciding whether or not it is right for you.