Being a business owner means making smart decisions — like finding ways to earn points on the things you’re already spending money on.
That’s where the American Express® Business Gold Card comes in.
Think of it as the sweet spot between insane rewards and justifiable annual fees.
It’s not as flashy as The Business Platinum Card® from American Express, but it’s also not trying to be. Instead, it helps to maximize your everyday business expenses, rack up Membership Rewards points and keep things simple.
With 4x points on your top two spending categories each month, this card automatically adjusts to match your business spending habits, so you always earn the most points possible.
The annual fee ($375) might make you pause, but once you see how much you can earn back in rewards, it’s an easy win (Rates & Fees).
Here’s everything we’ll dive into:
Pros and Cons
Pros:
4x per $1 on the two categories where your business spends the most each billing cycle from six eligible categories (for the first $150,000, then 1x after that). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3x per $1 on flights and prepaid hotels booked through AmexTravel.
1x per $1 on all other eligible purchases.
No preset spending limit.
Cons:
Specific bonus categories may vary, and some businesses may not be able to make the most of this card.
Why We Love the Business Gold
Some business cards require you to manually select bonus categories. And, who the heck has time for that?
The Amex Business Gold automatically gives you 4x points on your top two spending categories every month — so you always earn the most on what your business actually needs.
Here’s how it works:
Each billing cycle, Amex looks at where you spent the most money and applies 4x points to your top two categories (up to $150K per year). Everything else earns 1x points.
Eligible 4x categories include:
Flights booked directly with airlines
U.S. purchases for advertising (Google, Facebook, etc.)
U.S. restaurants (including takeout and delivery)
U.S. gas stations
Transit (Uber, Lyft, trains, etc.)
Technology purchases (hardware, software, cloud services and more)
If you’re maxing out the $150k cap, you’re looking at 600,000 Amex points per year, which is enough for multiple business-class flights or a very fancy schmancy hotel stay.
Why Care About Flexible Spending?
Running a business means expenses don’t always fit into neat little limits, which is why the Amex Business Gold has no preset spending limit.
That means:
More flexibility when your business spending fluctuates
Higher purchasing power based on your payment and spending history
Less stress when booking travel, restocking inventory or handling last-minute expenses
It’s not a blank check, but it does adapt to your business needs — which is exactly what a solid business card should do.
For anyone who needs big spending power without dealing with crazy credit limits, this feature alone makes the Amex Business Gold a solid choice.
To Wrap Things Up
The Amex Business Gold is perfect for business owners who spend big and want max rewards without the hassle.
The 4x auto-adjusting categories make it one of the best points-earning business cards, and the no preset spending limit gives your business even more freedom!
Bottom line? If you want a business card that earns more points on the things you already spend money on, this is the one. Trust us on this one, friends. Oh, and happy travels!
American Express® Business Gold Card
