American Express

Amex Business Gold

AMERICAN
EXPRESS

🇺🇸 United States · American Express

Amex Business Gold

Name: Amex Business Gold
Brand: American Express
Rating: 4.5 (50 reviews)

Small businesses — 4x on top 2 spend categories from a list of 6.

4.5 / 5

Joining fee

Annual fee

$375

Top reward

Min income

—

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5-year value calculator

How much Amex Business Gold actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$396

Annual fee−$375

Welcome bonus (year 1 only)+$10,000

Cumulative net value

+$10,105

over 5 years

Year 1

$10,021

+$10,021/yr

Year 2

$10,042

+$21/yr

Year 3

$10,063

+$21/yr

Year 4

$10,084

+$21/yr

Year 5

$10,105

+$21/yr

Year 1 (with bonus)

$10,021

Year 2+ (steady state)

$21/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

shopping

📈

Everything else

📈

🎁

Welcome bonus

70,000 Membership Rewards points after $10,000 spend in 3 months

What you get

4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
$20 monthly FedEx + Grubhub credit
$240 Amex Business Line of Credit access
No foreign transaction fees

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score

720+

Self-employed

Eligible

Points value

What 1 Amex Business Gold point is actually worth

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for Amex Business Gold:

Marriott Bonvoy transfer
Best

₹130.00/point

Singapore KrisFlyer transfer

₹200.00/point

British Airways Avios transfer

₹170.00/point

Amex Travel Online

₹85.00/point

Welcome bonus — the under-priced lever

70K Membership Rewards on $10K spend in 3 months (~$1,500-$2,500 value at best transfers).

Welcome bonus value at best redemption: ₹91,00,000

Full Amex Business Gold redemption deep-dive Run the points calculator

MatchYour SaaS · pays best on this card

Best SaaS to pay with the Amex Business Gold

The SaaS subscriptions where Amex Business Gold earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,23,420/yr.

Top match

Business cashback