American Express® Business Gold Card

The best aspect of the American Express® Business Gold Card is the ability to earn 4x points on 2 qualifying categories where you spend most in a month, up to a combined $150k a year. It’s an absolute workhorse for your point balance.  You don’t have to select which categories you want to earn the 4x on because Amex does the work for you…whichever categories you spend most in a billing cycle will earn the 4x points. One month you wine and dine some clients and book a ton of airline tickets? BOOM! 4x. Another month, you’re buying online ads ? Boom…4x.

\Now, there is the opportunity to get as high as a 200k offer? Amex will tell you what your offer is prior to your credit being pulled, so if you haven’t had this card in the past, it’s worth checking. 200k is truly incredible and more than I got when I signed up.

Let’s take a look at the American Express® Business Gold Card in further detail

Earning 4x points on 2 categories made simple

Look at the categories listed below. The two categories you spend the most money on in a billing cycle will earn 4x points on those purchases. No need to select or activate categories…you’ll just the get bonus points.

The combined purchases in which you’ll earn 4x on are capped at $150k/year. That means there is whopping 450k bonus points on the table. It’s pretty awesome that restaurants, transit, and gas are all included bonus category.

• (1) purchases of online, television, and radio advertising made from media providers located in the U.S. in order to promote a business;
• (2) purchases from electronic goods retailers or software and cloud system providers in the U.S.;
• (3) restaurants located in the U.S, including takeout and delivery;
• (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations);
• (5) purchases from merchants whose primary business is transit including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways; and
• (6) purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider located in the U.S. Any purchases from Google Fi, third parties, authorized retailers or resellers are excluded.

Etihad flights can be booked via Aeroplan and Etihad – both Amex transfer partners. This is a photo of Etihad’s business studio

 

Statement Credits

These statement credits need to be enrolled, and if you utilize them, can help offset much of the annual fee. Personally, I will be focused on Office Supply and Grubhub

• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026),Grubhub, and Office Supply Stores. This can be an annual savings of up to $240.  Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.

Just remember that you need to enroll to get these some of these credits

Is this the best offer we’ve seen?

This is one of the best public offers we’ve ever seen.

But I don’t have a small business, Miles. You may, and not know it. Keep reading.

American Express is very friendly to entrepreneurs and small business owners alike. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ). If you run a small side business (think bloggers, ebay sellers, tutors, consultants, Uber Drivers, DoorDash, etc – people who get 1099 income) and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out. Please seek the advice of a tax professional, I’m simply explaining my personal experience.

Personally, I have two businesses that I run, one has an EIN, and one doesn’t. I still need to keep all of their records separate, and so I have cards for each business. And we love to fly like this: United Polaris from Brazil to Chicago and Newark to Tel Aviv.

 

What are some awesome uses of Amex points?

I’d highly recommend reading our list of best uses of Amex Points, but here are a few to whet your palate

Transfer to Aeroplan to fly United’s new Polaris

Or move miles to Avianca to fly Luftahnsa First Class

You could transfer to Emirates to fly in Suites

You could also transfer to Asia miles to fly Japan Airlines First Class

Recap

This card is crucial for business owners who spend a lot of money on the listed bonus categories. The ability to earn a massive bonus + 4x bonus points, up to $150k in a calendar year where you’re already pushing a ton of spend is incredible and should be heavily considered. The annual fee is something that should be considered, but if your business spends a lot on the listed bonus categories, you’ll quickly realize you’re earning a lot more value than you’re spending in the annual fee.

To see the rates and fees for the American Express cards featured, please visit the following links: American Express® Business Gold (Rates and Fees)