April 23, 2025: The better offer we found on American Express® Business Gold Card through referral links has expired, so we’ve updated our article. Here’s what you need to know to find the best welcome offer on the Amex Business Gold card.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
Standard offer: 100k Membership Rewards® points
Annual fee: annual_fees
(See Rates and Fees)
Standard online welcome offer: bonus_miles_full
Learn how to apply.
This bonus is earned as Membership Rewards® points.
My take: Hunting around might get you a better offer
As far as welcome bonuses go, the standard offer on the card_name isn’t terribly exciting. You can find much better offers in our list of the biggest welcome offers.
But if you’re willing to put in a bit of effort, you can very likely find a better offer on the Business Gold card. With this card, Amex seems to randomly show better offers on its website and seed better offers through referral links. In early 2025, we even saw a 200k point offer through referral links.
If you want to hunt for a better offer, here are the top three tactics we use to find the best targeted offers:
- Visit the American Express website directly and see if a targeted offer for the card is displayed.
- Search for “Amex Business Gold” and click on the links to the Amex website.
- Trying the two tactics above in an Incognito or Private browsing window might yield different results.
Only American Express knows how it generates targeted offers. Seeing a good offer doesn’t guarantee that you’ll see that offer again when you refresh your browser window.
It is our policy to always direct readers to the best offer we know about, which means that we’ll publish any referral offers if we know about them and have a link to them. Want your referral link to show up on this site? Subscribe to our newsletter using the form at the bottom of the page. When we hear of a better offer, we’ll send out a call for referral links to our newsletter subscribers.
About the American Express® Business Gold Card
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
(See Rates and Fees)
The card_name can be a Membership Rewards® earning powerhouse if you spend heavily in the card’s eligible business categories.
Welcome offer
Standard online welcome offer: bonus_miles_full
Learn how to apply.
This bonus is earned as Membership Rewards® points.
Before you apply: You might want to check out our article on the best Amex Business Gold welcome offers before applying through the link above. This card often has larger bonuses available through referral links and targeted offers. If we find a better offer, we’ll update and link to it on that page.
Rewards
- 4x on your top 2 eligible categories each statement cycle.
On the first $150,000 in combined purchases from these categories each year, then 1x thereafter.- Purchases at US media providers for advertising in select media (online, TV, radio).
- U.S. purchases made from electronic goods retailers and software & cloud system providers.
- U.S. purchases at restaurants, including takeout and delivery.
- U.S. purchases at gas stations.
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- 3x flights and pre-paid hotels booked on AmexTravel.com
- 1x on other eligible purchases.
Rewards are earned as American Express Membership Rewards® points.
Benefits
Consumer benefits
- Cell Phone Protection.
- Extended Warranty.
- Purchase Protection.
Travel benefits
- Baggage Insurance Plan.
- Car Rental Loss and Damage Insurance.
- Trip Delay Insurance.
- Global Assist Hotline.
Statement credits
- $20 monthly ($240 annually) Flexible Business Credit.
Statement credit applies automatically for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. - Walmart+ Credit.
Up to $12.95, plus applicable taxes, in statement credits each month with an eligible monthly Walmart+ membership. Excludes Plus Ups.
Bottom line: Can be an earnings powerhouse, but you can likely get a better bonus shopping around.
Amex is somewhat notorious for offering better bonuses to those who are willing to hunt around and the American Express® Business Gold Card is no different. It’s very likely that there’s a better bonus out there than you’ll see advertised on most sites.
We publish information on the best offer we find on cards, regardless of whether those offers are available through our affiliate networks. If there’s a better offer out there and we know about it, you’ll find it published on this page.
Frequently asked questions
What happened to the 200k offer?
In early 2025, the Amex Business Gold card had an increased welcome offer through referral links. This offer is no longer available.
Amex rates and fees disclosures
- For rates and fees of the American Express® Business Gold Card, please visit this link: See Rates and Fees
Amex insurance disclosures
Amex Baggage Insurance Plan (standard) benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Trip Delay Insurance (standard) disclosure: Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
