Amex Business Gold
$375/year, earning Membership Rewards Points, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Business Gold is a $375/year card from American Express earning Membership Rewards Points. It earns 3x on airline (amextravel), 3x on hotel (amextravel) and 1x on everything else. It carries 5 recurring statement credits worth $945 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Membership Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airline (AmexTravel) | 3x | |
| Hotel (AmexTravel) | 3x | |
| Other | 1x | Everything else |
Statement credits
$945 a year across 5 credits against a $375 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Reimbursement for up to $800 in repair or replacement costs if your eligible cellphone is damaged or stolen. $50 deductible applies to each approved claim, limited to 2 approved claims per rolling 12-month period. Prior month wireless bill must have been paid with the card.
- Car Rental Insurance — Secondary coverage for damage due to theft and collision when you pay for your entire car rental with the card and decline the rental company collision damage waiver. Some vehicle types and countries are excluded.
- Purchase Protection — Coverage for theft or damage that occurs within 90 days of purchase, up to a maximum of $1,000 per occurrence and $50,000 per account per calendar year when you pay for eligible items with the card.
Questions people ask about the Amex Business Gold
What is the annual fee on the Amex Business Gold?
The Amex Business Gold has a $375 annual fee.
What statement credits does the Amex Business Gold include?
It carries 5 recurring statement credits worth $945 a year in total: $300 Annual ChatGPT Business Credit ($300, resets on the calendar year); $20 Monthly Flexible Business Credit ($20 monthly, resets on the cardmember year); $12.95 Monthly Walmart+ Credit ($12.95 monthly, resets on the cardmember year); $150 Annual Squarespace Credit ($150, resets on the calendar year); $100 Hotel Collection Credit ($100, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Business Gold earn?
3x on airline (amextravel), 3x on hotel (amextravel), 1x on other, and 1x on everything else, in Membership Rewards Points.
Is the Amex Business Gold worth the annual fee?
Its recurring statement credits total $945 a year against a $375 fee, so the card pays for itself on credits alone if you use 40% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Business Gold charge foreign transaction fees?
No — the Amex Business Gold has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
