# American Express Business Gold Card

> Earn up to 3x on flights and 3x on hotels. $845+ in statement credits per year. $375 annual fee.

Canonical page: https://cardstack.money/cards/american-express-business-gold-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $375
- Rewards program: Membership Rewards (https://cardstack.money/programs/amex-membership-rewards.md)
- Total statement credits value: $845 per year
- Net value after annual fee: +$470 per year (credits value minus fee)
- Welcome offer: As high as 200,000 Membership Rewards® Points after you spend $15,000 in purchases on the Card within the first 3 months. Welcome offers vary; eligibility may vary.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Flights | Travel Portal Only |
| 3x | Hotels | Travel Portal Only |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Business Credit - $240/yr ($20 monthly)

Up to $20 in statement credits each month (up to $240/year) on eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.

- Resets: Up to $20/month – FedEx, Grubhub, office supply stores
- Enrollment required: yes
- Where to redeem: FedEx (https://www.fedex.com), Grubhub (https://www.grubhub.com), Staples (https://www.staples.com)
- Details: https://cardstack.money/benefits/american-express-business-gold-card-business-credit.md

### Walmart+ Credit - $155/yr ($13 monthly)

Statement credit (up to $12.95 plus applicable local sales tax) each month for one monthly Walmart+ membership (subject to auto-renewal) when you pay with the card. Plus Ups not eligible.

- Resets: 1st of each month
- Where to redeem: Walmart+ membership – auto-applied to subscription
- Details: https://cardstack.money/benefits/american-express-business-gold-card-walmart-credit.md

### Squarespace Credit - $150/yr ($150 annual)

Up to $150 in statement credits per calendar year on eligible U.S. purchases with Squarespace when paid with the card. Enrollment required. Subscription purchases subject to auto-renewal.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: Squarespace or Acuity purchases at squarespace.com, acuityscheduling.com
- Details: https://cardstack.money/benefits/american-express-business-gold-card-squarespace-credit.md

### ChatGPT Business Credit - $300/yr ($300 annual)

Connect your company tools to support the projects your team takes on. It's the ChatGPT you know — designed for work. Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on your Business Gold Card. Subscription subject to auto-renewal. Enrollment required.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: ChatGPT Business subscription — chatgpt.com/business
- Details: https://cardstack.money/benefits/american-express-business-gold-card-chatgpt-business-credit.md

## Other benefits

- **Earn rule**: 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. Schema-limited: top-2-of-6 cannot be modeled structurally; only the 3x flights/prepaid-hotels via AmexTravel are structured.
- **The Hotel Collection**: $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).
- **Cell Phone Protection**: 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.
- **Trip Delay Insurance**: 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.
- **Baggage Insurance Plan**: 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.
- **Car Rental Loss and Damage Insurance (secondary)**: 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.
- **Purchase Protection**: 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.
- **Extended Warranty Protection**: Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less.
- **No Preset Spending Limit**: Spending limit is flexible and adapts based on purchase, payment, and credit history.
- **Pay Over Time**: Eligible charges can be carried as a balance with interest up to your Pay Over Time Limit.
- **Employee Cards**: $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.
- **Global Assist® Hotline**: 24/7 emergency coordination services 100+ miles from home: medical/legal referrals, emergency cash wires, missing luggage assistance; cardholder pays third-party costs.
- **No Foreign Transaction Fees**: No American Express foreign transaction fees on purchases processed outside the U.S.


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CardStack automatically tracks the Amex Business Gold Card's $845 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863