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American Express® Business Gold Rewards Card
Best mid-range Amex® MR business card
Terms & Conditions apply
- The American Express® Business Gold Rewards Card is one of the best mid-range travel cards for small business owners who value flexible Membership Rewards® points.
- You’ll get statement credits and useful travel and purchase insurance.
Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
The American Express® Business Gold Rewards Card is a mid-range option for small business owners who want to earn flexible Membership Rewards® points on every business spending.
This is the card you’ll want for your business if you’re looking for valuable Amex® benefits without a high annual fee.
You’ll earn Membership Rewards® points on every purchase, plus an additional 10,000 bonus points each calendar quarter when you spend $20,000 or more.
As a business charge card, there’s no preset spending limit, and the balance is due in full each month, giving your business extra flexibility.
You’ll get $100 in annual Dell credits and $120 in Instacart statement credits each year, adding extra value for your business.
You’ll get a generous welcome bonus and earn valuable Membership Rewards® points on all your purchases. Points can be transferred to top airline and hotel partners like Aeroplan®, Flying Blue, Marriott Bonvoy®, and Hilton Honors for nearly free travel.
You’ll also get access to American Express® Offers and Front of the Line.
Card Welcome Offer
New cardholders can earn up to 40,000 Membership Rewards® points with the American Express® Business Gold Rewards Card
- You’ll earn 40,000 Membership Rewards® points after you spend $7,500 in that month, for the first 3 months.
Check out our guide on how to meet minimum spend requirements without overspending to make sure you maximize your welcome bonus.
Card Welcome Offer Value
At Adventures With Points (AWP), we value Membership Rewards® points at 2.2 cents per point.
You’ll get about $1,300 in value in the first year with the American Express® Business Gold Rewards Card
- The 40,000 welcome bonus points are worth $880.
- You’ll get up to $100 in annual Dell credits, with $50 every six months, to use toward business purchases.
- You’ll also get $120 in annual Instacart statement credits, earned as $10 per month, to save on grocery deliveries.
- Plus, you’ll get useful travel and purchase insurance, worth about $200.
American Express® Business Gold Rewards Card
Best mid-range Amex® MR business card
Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
Card Annual Fee
The American Express® Business Gold Rewards Card has a $199 annual fee. That’s standard for a mid-range business rewards card.
The value is easily offset by the $100 in annual Dell credits and $120 in annual Instacart statement credits. These alone can provide more value than the annual fee.
There’s no first-year fee rebate, but the flexibility of Membership Rewards® points and ongoing business benefits make it worth keeping.
You can also add Employee Cards for $50 each, and their spending contributes toward earning more Membership Rewards® points.
Card Annual Value
At Adventures With Points (AWP), we value Membership Rewards® points at 2.2 cents per point.
You’ll get about $420 in annual value from the American Express® Business Gold Rewards Card.
- You’ll get up to $100 in annual Dell credits, issued as $50 every six months, to use toward business purchases.
- You’ll get $120 in annual Instacart statement credits, earned as $10 per month, to save on grocery deliveries.
- You’ll also get useful travel and purchase insurance, worth about $200.
Card Rewards Earning
With the American Express® Business Gold Rewards Card, you’ll earn:
- 1 Membership Rewards® point per dollar spent on everything,
- You’ll also earn an additional 10,000 Membership Rewards® points in any calendar quarter when you spend $20,000 or more.
Keep in mind that there are other cards with stronger everyday value, like the American Express® Cobalt® Card, that earns 5 Membership Rewards® points per dollar on eats and drinks.
AWP TIP
As a charge card, the American Express® Business Gold Rewards Card doesn’t count toward your four American Express® credit card limit. This makes it a good option even if you already hold other American Express® cards.
Card Benefits
With the American Express® Business Gold Rewards Card, you’ll enjoy valuable small business travel benefits without a high price tag.
Quarterly Bonus Points: You’ll earn an additional 10,000 Membership Rewards® points in any calendar quarter when you spend $20,000 or more, rewarding consistent business spending.
Dell Credit: You’ll get up to $100 in annual Dell statement credits, issued as $50 every six months, to use toward eligible business technology purchases.
Instacart Credit: You’ll get up to $120 in annual Instacart statement credits, earned as $10 per month, to save on grocery or office supply deliveries.
Travel and Purchase Coverage: You’ll get useful protection, including flight and baggage delay, car rental theft and damage, hotel or motel burglary, and travel accident coverage.
American Express® Benefits: You’ll also enjoy access to American Express® Offers and Front of the Line® for presale tickets.
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it’s for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
Card Insurance
With the American Express® Business Gold Rewards Card, you’ll get basic travel insurance and purchase coverage, including:
- Common Carrier Travel Accident Insurance: Up to $500,000.
- Flight Delays: Up to $500 total per trip if your flight is delayed more than 4 hours.
- Delayed or Lost/Stolen Baggage: Up to $500 total per trip if your baggage is delayed for 6 hours or more.
- Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
- Hotel/Motel Burglary: Up to $500 per occurrence.
You’ll also get valuable purchase protection when you pay with your American Express® Business Gold Rewards Card:
- Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
- Purchase Protection: Covers items for 90 days.
Unlike some other mid-range rewards cards, the American Express® Business Gold Rewards Card doesn’t include Travel Medical, Trip Cancellation, or Trip Interruption Insurance.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Best Ways To Earn and Redeem
American Express® Membership Rewards® Cards
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Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
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Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
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Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
