AMEX Business Gold Card Review (2025.10 Update: New $150 Squarespace credit;
Non-affiliated disclosure: All information about this card has been independently collected by the US credit card guide and is not reviewed by the issuer.
2025.10 Renewal: There’s a new coupon on this list: $150 Squarespace Card. Squarespace is a platform to build a website and register domains. Probably not many people will find this effective, but it is always nice to see more benefits without increasing the annual income.
2024.9 Renewal: 200K stable links have expired. There are currently 175k offers. Links to our forum that allow posting (see app link below) Show 175k offers more, and may show incognito offers if you use incognito mode.
2024.7 Renewal: The new offer is 200k now, and this is the best this card offers. Also, there is a new (limited time) white gold card design to choose from.
Program link
Benefits
- 200k offer: Get 200,000 points for 200,000 after spending $15,000 in the first 3 months. This is the best offer on this card.
- We estimate that membership rewards (MR) are worth 1.6 cents / point, see below for a brief introduction. So the highest signup bonus of 200K is worth about $3,200!
- Earn 4X Membership Points in 2 categories When your business uses each cycle you pay from the list below, plus 1x on your other purchases. 4X points apply to the first $150,000 of combined purchases in these 2 categories each calendar year. Get 3x on amextravel. Then you get one point for every dollar.
- US purchases made directly from ONLL providers of FREE STORE technology, Software, and cloud solutions. The following vendors are included: Apple, CDW, Dell, HP, IBM, Intuit, Oracse, Microsoft, Newegg, Salesforce, Symyw, Symyw, Symyw, Symyw, Symyw, Symyw, Symyw, Sylulantectiger Direct.
- US advertising purchases in Select Media (online, TV, radio)
- US purchases at gas stations
- US purchases at restaurants
- To submit
Airfare purchased directly from the airline - Wireless phone services
US purchases with shipping
- (Expires 2024.2.1) 25% flight bonus: You can get 25% 17% points back after receiving a payment or Flight selected by your flight or first class or business, up to 250,000 points back per calendar year. When used in this way, MR points are worth 1.33 cents / point when redeemed for travel (calculation: 1/1-25%) ~ 1.33).
- $240 business loan Registration required.
- Walmart+ membership is complimentary
- [New] $150 Squarespace Card. Squarespace is a platform to build a website and register domains.
- With this credit card, you can get access to AMEX offers, which often offer great discounts at other stores. In the past we’ve seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back at Amazon.com. Note that amex offers are usually directed to business cards only!
- Purchase protection – Eligible purchases are covered for accidental damage or theft for 90 days, up to $1,000 per $1,000 purchase on the Business Gold Rewards card.
- Extended Warranty – One additional year of warranty service in addition to the manufacturer’s warranty if the original warranty lasts 5 years or less.
- Property Insurance – up to
- Premium Roadside Assistance – Pays for emergency car services up to four times a year, including tire change, battery jump, and towing your car up to 10 miles.
- There is no foreign exchange fee.
- This card is very easy to get approved because it is a CHARICT card, not a credit card. This means that you are not subject to a line of credit when approved (so there is no prior spending limit), and you are required to pay your balance in full by the due date.
- AMEX has a very open definition of what constitutes a “business,” given the bullet above. If you’re applying as a sole-proprietor, AMEX lets you choose an annual income for your business between $0 – $49,999. If you sell anything (including your time or skills), you can have a business. Amex allows the use of your social security number (SSN) instead of your tax identification number (TIN) for proprietary applications.
- Refer a friend: You can get 20,000 bonus points for all the approved account you refer, up to 55,000 5000 points per calendar year.
Bad
- Annual fee of $295, not released in the first year. (From 2024.2. The annual fee will be $375.)
- $50 fee (deducted for the first year) for the first authorized user on your account, no fee for 98 user cards.
INTRODUCTION TO MR POINTS
- You can earn Mr. Points through Amex Ed, AMEX EDP, AMEX Green, Amex Platinum, Amex Platinum for Morgan Stanley, Amex Blue Business Platinum, etc.
- The MR points you earn from different MR cards will automatically go to the same MR account.
- Family points never expire. You will not lose MR points on one card if you close an account, but you will lose all MR points if you close all MR cards. To avoid losing your MR points, we recommend keeping a free annual Amex card.
- If you have any MR cards, Mr points can be transferred to certain airline miles. One of the most common and best ways to use MR points is to transfer them 1:1 to all Nippon Airways (ANA, NH) miles (Star Alliance). Other good options are: Air Canada (AC) (Star Alliance), Delta Air Lines (DL) (Skyteam), ASPRIMEM), Skyteam), One-Alliance (One-Alliance), One-Alliance Price 1.6 Centimeters / point.
- If you have any MR cards, you can redeem your MR points at a rate limited to about 1 cent / point towards air tickets on the AMEX Travel Portal.
- If you have Schwab’s Amex Platinum, you can redeem your Mr points at your fixed rate of 1.1 cents / point towards cash. If you don’t want to spend time studying airline miles, this is a great way to earn points. If you do not have this card, you can only withdraw your MR points at a fixed price of 0.6 cents / point towards cash.
- In summary, we estimate that MR points are worth 1.6 cents.
- For more information about MR points, see Maximize Credit Card Points Values (Overview), and MR Imports: HOW TO GET AND EARN (more).
Recommended application period
- You can only get the welcome bonus once in a lifetime, so make sure you act when the highest record comes up.
- AMEX does not care about the hard withdrawal number.
- You can try to apply when you have a credit history of 6 months.
To put it briefly
The offer received is good. It is ideal for those who have a business that spends a lot on computers. Note that MR has also received Amex Business Cards Pool with MR obtained through acquisition cards. If you decide to cancel and want to keep your MR, you can apply for Amex daily (ed) (no annual fee) to save MR points for future use (no annual fee).
Recommended Upgrade Options
Most (all?) people get an offer to upgrade this account to the first AMEX Business Platinum card within the first year while receiving $10,000 in bonuses (even if you’ve already received an AMEX Business Platinum sign-up bonus). This is a great way to get amex Business Platinum benefits, and a sign-up bonus, even if you already have that card. If you have not had an Amex Business Platinum card before, it is highly recommended that you apply for that product before upgrading, as upgrading and receiving the bonus will reduce your ability to receive the 75,000 MR to 150,000 AMEX Business Bonus on the AMEX Business Platinum. Note that, when you upgrade, amex does not do a hard credit pull!
Recommended Downgrade options
- You can’t downgrade this card to any other card without an annual fee, so I suggest turning it off when you don’t want to keep it.
After applying
- Click here to check application status.
- AMEX Reconsideration Backdoor Number: 877-399-3083
History Chart
Program link
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