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.