The American Express® Business Gold Card gives small business owners exceptional rewards in two select business categories where you spend the most each month. The card carries a $295 annual fee. (See Rates and Fees)
The Business Gold earns 4x Membership Rewards points in two select categories where you spend the most each month, on up to $150,000 in combined spending each year. The card also earns 3x points on prepaid flight and hotels booked through Amex Travel.
Purchases made using the American Express® Business Gold Card get protection from a suite of consumer insurance benefits that includes extended warranty and purchase protection. The card also offers travel insurance benefits like trip delay insurance, Amex baggage insurance plan, and secondary rental car insurance.
American Express® Business Gold Card at a glance
Here’s what you need to know about the American Express® Business Gold Card.
Rewards
| 4x | Select categories where you spend the most each month, on the first $150,000 in combined purchases. Select categories include: U.S. purchases made from electronic goods retailers, software, and cloud providers . Monthly wireless telephone service from U.S. provider. Transit purchases. Purchase for select U.S. media advertising providers. U.S. purchases at restaurants. U.S. purchases at gas stations. | |
| + | 3x | Flights and prepaid hotels booked at AmexTravel.com |
| 1x | Other purchases |
Benefits
| Consumer insurance benefits Extended warranty Purchase protection Cell phone protection | |
| Travel insurance benefits Trip delay insurance Baggage insurance plan Secondary car loss and damage insurance | |
| Statement credits and partner offers $240 Flexible Business Credit $155 Walmart+ Membership Credit $100 experience credit at The Hotel Collection |
Other important terms
| Annual fee: $295 | |
| Foreign transaction fee: None |
American Express® Business Gold Card rewards
The American Express® Business Gold Card offers 4x Membership Rewards® points in two select categories where you spend the most each month, on up to $150,000 in combined purchases, plus 3x Membership Rewards on flights and prepaid hotels booked with Amex Travel. Here are the details.
| 4x | Select categories where you spend the most each month, on the first $150,000 in combined purchases. Select categories include: U.S. purchases made from electronic goods retailers, software, and cloud providers . Monthly wireless telephone service from U.S. provider. Transit purchases. Purchase for select U.S. media advertising providers. U.S. purchases at restaurants. U.S. purchases at gas stations. | |
| + | 3x | Flights and prepaid hotels booked at AmexTravel.com |
| 1x | Other purchases |
Benefits of the American Express® Business Gold Card
In addition to earning rewards in business-related bonus categories, the American Express® Business Gold Card offers useful consumer and travel insurance benefits for the small business owner. Here’s more on this card’s benefits.
| Consumer insurance benefits Extended warranty Purchase protection Cell phone protection | |
| Travel insurance benefits Trip delay insurance Baggage insurance plan Secondary car loss and damage insurance | |
| Statement credits and partner offers $240 Flexible Business Credit $155 Walmart+ Membership Credit $100 experience credit at The Hotel Collection |
Consumer insurance benefits
Many cards offer consumer insurance benefits that can protect the things you buy. Here are the consumer insurance benefits offered by the American Express® Business Gold Card. Terms and restrictions apply to all benefits.
Purchase protection protects the things you buy with your card from damage or theft for a certain amount of time after you buy them. Amex purchase protection covers your new purchases for 90 days against damage or theft up to $1,00 per purchase and $50,000 per card member.
Extended warranty provides additional warranty coverage on items you purchase with your card. Amex extended warranty protection doubles the time period of the U.S. manufacturer’s warranty up to an additional year, on eligible warranties of five years or less.
Cell phone protection can cover the cost of repairing or replacing your phone if it is damaged or stolen when you pay your monthly cell phone bill with your card. Chase will cover up to two claims within 12 months, up to $800 per claim, and $1,000 per year, subject to a $50 deductible per claim.
Travel insurance benefits
Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.
Trip delay insurance can cover your incidental expenses or a hotel room when your travel you book with your card is delayed for a covered reason. American Express® Business Gold Card trip delay insurance covers delays of 12 hours or more and up to $300 per covered trip. You are limited to two claims per eligible card, per 12 month period.
Amex baggage insurance plan covers lost, damaged, or stolen baggage when you book your travel with your card. Baggage insurance on the American Express® Business Gold Card covers up to $1,250 for carry-on baggage and up to $500 for checked baggage.
Car rental loss & damage insurance protects you against damage to or theft of your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver. The coverage provided by your American Express® Business Gold Card is secondary to your personal auto insurance.
Statement credits and partner offers
The American Express® Business Gold Card also features a number of statement credits and partner offers. Here’s what you need to know.
$240 Flexible Business Credit. Earn up to $20 in statement credits monthly after you use your card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.
$155 Walmart+ Membership Credit. Received a monthly credit equal to $12.95, plus applicable taxes, when you pay for your monthly Walmart+ membership with your card.
$100 experience credit at The Hotel Collection. Get a $100 experience credit to use during your stay when you book a minimum two-night stay at The Hotel Collection hotels through American Express Travel.
American Express Disclosures
Amex Basic Purchase Protection 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 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 Cell Phone Protection benefit disclosure: Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 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.
Amex Basic Trip Delay Insurance 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.
Amex Basic Baggage Insurance Plan 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 Basic Car Rental Loss and Damage Insurance 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.
