Credit Cards

American Express Business Gold Referral 130k offer

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We may receive a commission when you use our links. Monkey Miles is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as and CardRatings. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Monkey Miles is also a Senior Advisor to Bilt Rewards. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

American Express® Business Gold Card Referral Offer

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

American Express is offering a 70k to a whopping 130k referral offer on its American Express® Business Gold Card after hitting $10k minimum spend. The offer depends on how you’re targeted and how the links below, both in article and in the comments, populate.

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The biggest downside is the $375 annual fee, but Amex Biz Gold gives users the ability to earn 4x points on some attractive categories ( capped at $150k ) and those really add up. Let’s take a look at at this tiered offer that gives the welcome offer in two different tiers.

This is a Monkey Miles referral page, which means you are more than welcome to leave your links In the comments section.

Here’s how it works with our site and referrals: do not spam post or I’ll block your referral

First off, this is meant to help everyone. So, if you’re posting your referral a dozen times a day, week, month, and trying to manipulate the comment section, I’m going block your referral for abuse. No ifs ands or buts –  if I see you’re doing it, or you’re flagged by another use, I’ll just block you from ever posting. Let’s not ruin a good thing.

We earn commission when you use our links via our partner Cardratings or and are really grateful when you do, but we also publish other deals that may be attractive to you. Referrals, are one of those other deals, and is a way we can give back to you for supporting us since you earn a referral bonus when someone uses your link.

We want to give you an opportunity to earn some valuable points as well, and so this is how we go about doing it.

  1. We add our own referrals first
    • Because we use a ton of points every year and publish reviews of the flight and hotels we take, but we quickly max out
  2. We add those of friends and family to load up their accounts
    • Once those are maxed out
  3. We then import your links from the comments section below to help you out.
    • We usually leave those up for a few weeks and cycle through them, or when we get an email notifying us that someone’s account has maxes out

You can also leave referrals for

*I would note that you get more action when the referral is correlated to the article.

American Express Business Gold Referral

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Use your points to fly on Emirates Business or First Class

Let’s take a look at the benefits of the American Business Gold

  • 4x on 2 of the following categories where you spend most in a month
    • U.S. purchases for advertising in select media (online, TV, radio)
    • U.S. purchases made directly electronic goods retailers and software & cloud systemrs providers
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • U.S. purchases for shipping
    • 08Transit purchases
      • including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • Capped at $150k total on combined categories
  • 3x on flights/hotels
    • booked directly with airlines and prepaid hotels booked on
  • Earn up to $20 in statement credits monthly for eligible U.S. purchases at
    • FedEx
    • Grubhub
    • Office Supply Stores
    • Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.
    • **Up to $12.95 plus applicable taxes on one membership fee
  • Cell Phone Protection
    • You can be reimbursed, the lesser of, your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month’s wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply.
  • 25% points refunded back when you buy a flight on Amex Travel (enrollment required)
    • your airline of choice in any cabin
    • biz/first on any airline
    • capped at 250k refunded points per year.
  • $375 annual fee (Rates and Fees).

Here are a few of the ways I’ve put my American Express Membership Rewards to great use.

For 47.5k transferred to Virgin you can experience their new Upper Class which I just flew a in November.

One of the best possible uses…70k transferred to Aeroplan for Lufthansa First Class redemption.

Or even use British Airways Avios ( transfer bonuses as high as 40% in the past ) to redeem on great products like Japan Airlines First Class

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Affiliate LInk

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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