American Express Business Gold Card

4x Membership Rewards on top 2 of 6 categories per billing cycle, capped at $150,000 in combined purchases per calendar year (then 1x). 6 eligible categories: U.S. media providers for advertising in select media (online/TV/radio); U.S. electronic goods retailers and software & cloud system providers; U.S. restaurants (incl. takeout/delivery); U.S. gas stations; transit (trains, taxicabs, rideshare, ferries, tolls, parking, buses, subways); U.S. wireless telephone service charges direct from a wireless provider.

$100 credit toward eligible charges and room upgrade upon arrival when available, every time you book a 2+ night stay through Amex Travel ($150 average value).

Up to $800 per claim against theft or damage, max 2 approved claims per 12 months; $50 deductible per claim. Cell line must be on a wireless bill paid with the card the prior month.

Reimburses certain expenses when a covered round-trip is delayed more than 12 hours; up to $300 per trip, max 2 claims per Eligible Card per 12 consecutive months.

Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $1,250 for carry-on and $500 for checked baggage in excess of common-carrier coverage; New York residents: $10,000 aggregate maximum per Covered Trip.

Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand.

Up to $1,000 per Covered Purchase for 90 days against theft or accidental damage; up to $50,000 per Card Member account per calendar year.

Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less.

Spending limit is flexible and adapts based on purchase, payment, and credit history.

Eligible charges can be carried as a balance with interest up to your Pay Over Time Limit.

$95 annual fee per Employee Business Gold Card (first 5 + each card after); up to 99 Employee Cards per account; earn Membership Rewards on their eligible purchases.

24/7 emergency coordination services 100+ miles from home: medical/legal referrals, emergency cash wires, missing luggage assistance; cardholder pays third-party costs.

No American Express foreign transaction fees on purchases processed outside the U.S.