ADVERTISEMENT

American Express Business Gold Card
welcome bonus
150K points after $10K spend in 3 months
credit brand
American Express®
rewards rate
4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.
intro apr
N/A
regular apr
19.49% - 27.49% variable
foreign transaction fee
0%
credit needed
Good/Excellent
annual fee
$295
rate
4.6

Pros

180K after $6K spend in first 6 months.

Earn 4 points per dollar spent on top 2 select business categories.

Get more for your business purchases. Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.

Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.

Get 25% points back when booking airfare through AmexTravel.com.

No foreign transaction fees.

Cons

$295 annual fee.

Employee cards cost extra.

High spending requirement for signup bonus.

Reward rates vary, only 1 point per dollar on non-bonus purchases.

Why Choose It

The Amex Business Gold card offers great bonus categories, statement credits, and Membership Rewards for small businesses operating overhead expenses. Top options like dining, shipping and advertising all earn 4x points, while airfare earns 25% back. The spending requirement for the signup bonus is high but it means huge rewards, offsetting the annual fee. For businesses with diverse expenses across multiple categories, the Amex Business Gold card offers flexibility and strong earns.

ADVERTISEMENT

compare Cards

cover/name/rate
Welcome bonus
Annual fee
rewards rate
intro apr
regular apr
foreign transaction fee
credit needed
credit brand
American Express Business Gold Card

American Express Business Gold Card

4.6
150K points after $10K spend in 3 months

150K points after $10K spend in 3 months

$295

$295

4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.

4X on your top 2 eligible categories. 3x on eligible purchases through AmexTravel.com. 1x on all other purchases.

N/A

N/A

19.49% - 27.49% variable

19.49% - 27.49% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

The Aeroplan® Card

The Aeroplan® Card

4.2
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

$95

$95

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

N/A

N/A

21.74%–28.74% variable

21.74%–28.74% variable

0%

0%

Good/Excellent

Good/Excellent

Mastercard®

Mastercard®

The Platinum Card from American Express

The Platinum Card from American Express

4.7
Earn 80,000 125,000 Membership Rewards® Points(after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership)

Earn 80,000 125,000 Membership Rewards® Points(after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership)

$695

$695

5X points for flights booked directly with airlines or with American Express Travel. 5X points for prepaid hotels booked through American Express Travel

5X points for flights booked directly with airlines or with American Express Travel. 5X points for prepaid hotels booked through American Express Travel

N/A

N/A

21.24% - 29.24% variable

21.24% - 29.24% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

articles
FICO and VantageScore: A Comparison of Different Credit Scoring Models
When it comes to credit scores, there are two major players in the game: FICO and VantageScore. Both companies provide credit scoring models that lenders use to determine creditworthiness. But what are the differences between these two models, and which one is better? In this article, we'll compare FICO and VantageScore and help you understand which one is right for you.
Reading
Credit Score Range: Understanding the Different Levels of Credit Ratings
Credit scores are an important part of modern life. They determine whether or not you can get a loan, rent an apartment, or even get a job. But how are credit scores categorized, and what do the different levels mean? In this article, we'll break down the credit score range and help you understand the different levels of credit ratings.
Reading