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American Express® Business Gold Card

Business card Amex Membership Rewards Offer varies by applicant

Welcome bonus · as high as

200,000 points

≈ $3,700 at 1.85¢ per point

after $15,000 spend in 3 months

Annual fee$375

Value per point~1.85¢median of 6 published valuations

First-year value*$600easy credits counted · $600 with none

Year 2+ value*$600each year after the first, after the fee · $600 with no credits

$375 fee vs $845 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $375 ↓

Worth ~1.85¢/pt, median of 6 published valuations

Upgraded Points 2.2¢
AwardWallet 2.04¢
The Points Guy 2.0¢
One Mile at a Time 1.7¢
Frequent Miler (RRV) 1.5¢
NerdWallet 1.3¢

Range 1.3–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on American Express’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 29, 2026

Source: American Express card page · checked October 29, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.85¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$375

Stated credits a year$845face value, as American Express states it

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Flexible Business Credit (Grubhub, office supply stores, UPS.com shipments)$240/yrup to $20/mo · Eligible U.S. purchases. Enrollment required. Monthly.niche shopping
ChatGPT Business credit$300/yrup to $300 per calendar year · U.S. purchases of ChatGPT Business subscriptions; subject to auto-renewal.niche shopping
Squarespace credit$150/yrup to $150 per calendar year · U.S. purchases with Squarespace. Enrollment required.niche shopping
Walmart+ membership credit$155/yrup to $12.95/mo + tax · Monthly Walmart+ membership paid with the card; subject to auto-renewal. Plus Ups not eligible.niche shopping

Your net cost$375Yearly cost after year 1: annual fee − credits you’ll use ($0)

Year 2+ value*$600each year after the first, after the annual fee, with your ticks

First-year value*$600bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

travel The Hotel Collection: $100 property credit and room upgrade when available on 2+ night bookings
insurance Cell phone protection up to $800 per claim ($50 deductible)
other No foreign transaction fees

Source: American Express card page and benefit terms · checked 2026-10-29.

How it earns

4x Dining & takeout, Gas & EV charging up to $150,000/yr combined
3x Travel booked on the card’s own travel site
1x everything else

Business card. 4x on your top 2 of 6 categories each billing cycle (U.S. restaurants, U.S. gas stations, transit, U.S. wireless service, U.S. advertising in select media, U.S. electronics/software & cloud), on the first $150,000 a year combined. We model the two we track (dining and gas); transit, wireless, advertising and electronics are not modeled.
3x on flights and prepaid hotels booked on AmexTravel.com. Added 2026-10-26.

Offer details

As high as 200,000 points after $15,000 in 3 months

Annual fee $375. Credits from the issuer page are in Credits & perks above.

Questions about the Amex Business Gold Card

What is the Amex Business Gold Card welcome bonus?

As high as 200,000 points after $15,000 in 3 months, about $3,700 at the median published point value, per American Express’s card page checked October 29, 2026. The issuer says offers vary and yours may be lower.

What is the Amex Business Gold Card annual fee?

$375 a year, as listed on American Express’s page on October 29, 2026.

How much are its points worth?

About 1.85¢ each: the median of 6 published valuations (range 1.3–2.2¢), checked October 23, 2026.

What credits does the Amex Business Gold Card include?

$845 a year in stated credits at face value, across 4 credits. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $375.

Is the Amex Business Gold Card worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $600 in the first year and $600 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

Data notes:

Welcome offer is “as high as” 200,000 points; Amex says offers vary and you learn yours when you apply.
4x applies only to your top 2 categories each billing cycle; our model assumes dining and gas are your top 2.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

A year of earning: 52,700 points × 1.85¢	$975
Annual fee	−$375
First year / Year 2+	$600 / $600

Your spend (~$7,775 in 3 months) may miss the $15,000 minimum, so the bonus is not counted.

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.