American Express
Amex Business Gold
Amex Business Gold costs $375 annual fee and earns up to 4× on dining. It also carries $540 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Amex Business Gold returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $375 annual fee
- Best earn rate
- 4× dining
- Points value
- 2¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 100,000 points
- About $4,000 if you redeem at 2¢ a point, and only if you clear the spending requirement.
- Credits a year
- $540
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Amex Business Gold earns
Dining
4×
Gas and EV charging
4×
Transit and rideshare
4×
Advertising
4×
Phone, internet, and cable
4×
Hotels and rental cars through the issuer's travel site
3×
Only through the issuer's portal
Flights through the issuer's travel site
3×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Dining | 4× | |
| Gas and EV charging | 4× | |
| Transit and rideshare | 4× | |
| Advertising | 4× | |
| Phone, internet, and cable | 4× | |
| Hotels and rental cars through the issuer's travel site | 3× | Only through the issuer's portal |
| Flights through the issuer's travel site | 3× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Amex Business Gold right for you?
Enter a typical month. You will see what the Amex Business Gold returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Amex Blue Business Plus Top for your numbers
1× everything else. No annual fee.
Rewards $1,003 · No annual fee
+$1,003
+$573
+$407
−$393
How we estimate
- Every rate on this page comes from the card catalog. Amex Business Gold pays 1× on spending outside the bonus categories listed above, and up to 4× on dining.
- We value this card's points at 2¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"amex-business-gold","name":"Amex Business Gold","fee":375,"cpp":0.02,"base":1,"earn":[{"inputs":["dining"],"rate":4},{"inputs":["gas"],"rate":4},{"inputs":["transit"],"rate":4}],"credits":540},{"key":"business-green-rewards","name":"Business Green Rewards Card","fee":95,"cpp":0.02,"base":1},{"key":"amex-blue-business-plus","name":"Amex Blue Business Plus","fee":0,"cpp":0.02,"base":2},{"key":"amex-business-platinum","name":"Amex Business Platinum","fee":895,"cpp":0.02,"base":1,"credits":1480}]}What comes with it
Welcome bonus
100,000 points to 200,000 points
About $4,000 if you redeem at 2¢ a point, and only if you clear the spending requirement.
Points and partners
Membership Rewards
Transferable to airline and hotel partners.
Airlines
Aer Lingus, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue (1.25:1), Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant
Hotels
Choice Privileges, Hilton Honors (1:2), Marriott Bonvoyhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| ChatGPT Business credit A $300 annual credit applied directly with OpenAI in the United States and renewing automatically. | $300 | $300 |
| Flexible business credit Up to $20 a month at UPS.com, Grubhub or U.S. office supply stores. | $240 | $240 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked americanexpress.com 2026-10-05. $375 annual fee. Welcome offer up to 200,000 points after $15,000 in 3 months. 4x on the top two of six categories each billing period, on the first $150,000 a year combined, then 1x: U.S. online, TV and radio advertising; U.S. electronic goods retailers or software and cloud system providers; U.S. restaurants including takeout and delivery; U.S. gas stations; transit including rideshare and parking; and U.S. monthly wireless telephone service. Shipping is no longer a 4x category.
FAQ
The Amex Business Gold charges $375 a year. Earning back $375 means about $521 a month on dining, where it earns 6¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
4× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $375 means about $521 a month on dining, where it earns 6¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $540 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 100,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 2¢ a point that is about $4,000, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Membership Rewards, which you can transfer to the partners below. Airlines: Aer Lingus, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue (1.25:1), Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant. Hotels: Choice Privileges, Hilton Honors (1:2), Marriott Bonvoyhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant. Transfers are what make a 2¢ valuation reachable; using the points for cash back is worth far less.
No. The Amex Business Gold charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.