- 5x on flights and prepaid hotels on AmexTravel.com
- 2x on key business categories and purchases of $5,000+
- Up to $600 hotel, $200 airline fee and $209 CLEAR+ credits, plus Dell, Adobe and Indeed credits
American Express Business Gold
AMEXAmex・No.074
A business MR powerhouse that auto-picks your two biggest categories for 4x: strong for founders with lumpy spend.
Referral link: the site owner may earn a reward if you're approved, at no extra cost to you. Always review the current terms on the issuer's site before applying.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: americanexpress.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Reward highlights
- 4x on your top two spend categories each month (up to cap)
- $20 monthly flexible business credits
- No foreign transaction fee
Who it's for
Best for business owners who want automatic 4x on their largest monthly categories.
Good for
Key benefits
- 4x on your top two spend categories each month (up to a cap)
- 20 US dollar monthly flexible business credits
- No foreign transaction fee
- Accepts foreign credit history via Nova Credit
Rates & fees
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Frequently asked questions
Is there an annual fee?
Yes, the Amex Business Gold has a 375 US dollar annual fee.
Do I need a registered business?
Yes, it is a business card, so you apply as a business owner or sole proprietor.
Does it charge foreign transaction fees?
No, there is no foreign transaction fee.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.