Credit calendar

Amex Business Gold credits

Every recurring credit on the Amex Business Gold, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The Amex Business Gold carries 5 recurring statement credits worth $945 a year. 2 reset on the calendar year and expire on 31 December; 3 reset on your account anniversary. 2 are capped monthly and cannot be carried forward.

$945face value a year, against a $375 fee

2expire on 31 December

2capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$300 Annual ChatGPT Business Credit enrol first Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on the Business Gold Card.

Once a year, resets on the calendar year

$300

$20 Monthly Flexible Business Credit enrol first Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.

Monthly, resets on the cardmember year

$20

$240

$12.95 Monthly Walmart+ Credit enrol first Receive a statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.

Monthly, resets on the cardmember year

$12.95

$155

$150 Annual Squarespace Credit enrol first Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold Card.

Once a year, resets on the calendar year

$150

$100 Hotel Collection Credit Up to $100 in hotel credits toward qualifying activities (dining, spa, etc.) when booking eligible properties in The Hotel Collection through American Express Travel for at least two consecutive nights.

Once a year, resets on the cardmember year

$100

The monthly credits are the ones people lose

$20 Monthly Flexible Business Credit, $12.95 Monthly Walmart+ Credit are capped per month. An unused month does not roll forward, so the annual figure the card is marketed on assumes you spend at those specific merchants every single month. Most people do not, which is the single biggest gap between a premium card's advertised credit value and what it is worth to you.

Questions people ask

When do the Amex Business Gold credits reset?

Both, depending on the credit. $300 Annual ChatGPT Business Credit, $150 Annual Squarespace Credit reset on the calendar year and expire 31 December. $20 Monthly Flexible Business Credit, $12.95 Monthly Walmart+ Credit, $100 Hotel Collection Credit reset on your cardmember year, meaning your account anniversary.

Which Amex Business Gold credits require enrolment?

4 of 5: $300 Annual ChatGPT Business Credit, $20 Monthly Flexible Business Credit, $12.95 Monthly Walmart+ Credit, $150 Annual Squarespace Credit. Enrolment is not retroactive at most issuers, so a purchase made before you enrol usually will not be credited.

How much are the Amex Business Gold credits worth in total?

$945 a year at face value, against a $375 annual fee. That is the sum of the caps, not what a typical cardholder captures — 2 of them are monthly and expire unused each month, and each is restricted to specific merchants.

Verified 2026-09-20. See the full Amex Business Gold page, or every credit across every card.