Business Gold Card rewards & benefits.

Amex · charge · $375 annual fee · <p><span data-rendered="sanitize">Earn 4X Membership Rewards<sup>&reg;</sup>&nbsp;points on the 2 categories where your business spends the most in each billing cycle from 6 categories:</span></p> <ul class="purify_benefitsAccordion__listContainer--3rXFM"> <li class="">Purchases at US media providers for advertising in select media (online, TV, radio)</li> <li class="">U.S. purchases made from electronic goods retailers and software &amp; cloud system providers</li> <li class="">U.S. purchases at restaurants, including takeout and delivery</li> <li class="">U.S. purchases at gas stations</li> <li class="">Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways</li> <li class="">Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.</li> </ul>. Here's what it earns, what it costs, and whether it's worth it.

Rewards by category

effective cash-back rate
·
Dining
2%
·
Groceries
2%
·
Gas
2%
·
Travel
6%
·
Online shopping
2%
·
Entertainment
2%
·
Transit
2%
·
Everything else
2%
·
Annual fee
$375
·
Welcome bonus
No current welcome bonus

Credits

·
Flexible
$240
·
Walmart+
$155

Perks

Is the Business Gold Card worth it?

On a typical US spending profile, the Business Gold Card projects to about $1,032 in annual rewards, or roughly $657 after its $375 annual fee. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.

Common questions

What credit score do I need for the Business Gold Card?

A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.

Is the Business Gold Card's annual fee worth it?

It charges $375 a year. Its recurring credits alone are worth about $395 if you use them. Use the annual-fee calculator to check for your situation.

See what your real wallet is actually earning — and what you're leaving on the table.

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