American Express Business Gold Card Approval Tips

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American Express Business Gold Card Approval Tips

Million Mile SecretsAmerican Express Business Gold Card Approval TipsMillion Mile Secrets Team

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If you like to earn lucrative welcome bonuses to save money on travel, applying for AMEX small business cards can be a great way to boost your rewards balances.  And with the AMEX Business Gold Rewards card, you’ll earn 50,000 American Express Membership Rewards points after meeting minimum spending requirements.

AMEX Membership Rewards points are flexible, which can be extremely valuable for folks looking to get Big Travel with Small Money.  

American Express Business Gold Card Approval Tips
Emily’s Excited to Earn the Welcome Bonus and Use the Perks of Her New AMEX Business Gold Rewards Card

So here are 5 tips for getting approved for the AMEX Business Gold Rewards card.  As well as a few reasons why this card could make sense for you!

Increase the Odds of Getting Approved for the AMEX Business Gold Rewards Card

If you’re considering applying for the AMEX Business Gold Rewards card, the good news is, AMEX small business cards are relatively easy to get.

1.   Determine Your Eligibility

You will likely qualify for an AMEX small business card as long as you’re operating a for-profit business (even if you have very low income!).

But don’t forget, AMEX only allows folks to earn a welcome bonus once per card per lifetime.

American Express Business Gold Card Approval Tips
If You Sell Items on Sites Like eBay and Amazon You Can Qualify for a Small Business Card!

Here’s more about how to qualify for a small business credit card (and why you should get one!).  And 7 quick business ideas to earn more miles & points.

2.   Know Your Credit Score

Because the AMEX Business Gold Rewards card is a charge card and NOT a credit card, you are not getting a revolving credit line.  This means it could be easier to qualify as long as you have good credit history and a credit score of at least 700.

American Express Business Gold Card Approval Tips
Having a Good Credit Score Is Incredibly Valuable In Our Hobby!

Keep in mind, because the AMEX Business Gold Rewards card is a charge card, you must pay the balance in full each month.  I recommend this with any type of card because any interest or fees you pay for carrying a balance can offset the value of the rewards you earn.

Million Mile Secrets team member Meghan was instantly approved for the card a little over a year ago.  She has a credit score that hovers around 800.

That said, no matter how great your credit score is, American Express always has the final say.  They look at many factors, and can decline you for any reason, including:

  • Credit limit across accounts
  • Credit utilization
  • Too many recent credit card applications
  • Too many AMEX cards

3.   Fill Out the Application Correctly

You’ll need to answer more questions on the AMEX Business Gold Rewards card application than you would on a personal card application.  But if you’re an existing American Express customer, you can log-in to your account to have the application automatically enter your existing personal information.

You can apply using just your social security number if you don’t have an EIN (Employer Identification Number).  Plus, AMEX does NOT have strict income requirements for small business cards.

American Express Business Gold Card Approval Tips
Federal Tax ID = Social Security Number If You’re Applying for an AMEX Small Business Card as a Sole Proprietor

Million Mile Secrets team members Meghan and Keith have always used their social security numbers to apply as sole proprietors for small business cards.  And if you’re applying as a sole proprietor (meaning you’re not in any type of partnership), you can use your name as the legal business name.

Here’s a complete guide to filling out American Express small business card applications!

4.   Include ANY and ALL Income You Earn!

Along with your credit score, the total income you report on your credit card application can be an important factor in receiving approval.

Most banks allow you to include income beyond traditional salaries and wages.  You can include things like:

  • Investment income from stocks and rental properties
  • Social security
  • Retirement benefits
  • Military allowances
  • Shared income from a partner
American Express Business Gold Card Approval Tips
The Truth Will Set You Free (and Help With Your Small Business Credit Card Application). So Be Sure to Be Honest on Your Application When It Comes to Total Income!

Just be sure to tell the truth in your application.  If you’re including income from non-traditional sources, be prepared to explain it to the bank!

5.   Call the Reconsideration Line If You Need To

When you apply for a credit card, you’ll see one of the following results:  approved, declined, or pending application.

If you’re not instantly approved for the AMEX Business Gold Rewards card, you might consider waiting to call the reconsideration line.  Instead, wait until you get a message from AMEX telling you their final decision (or you see the result through your online application status).

That said, if you’re declined in the end, it’s worth a call to the bank’s reconsideration line.  So you can speak to a credit representative to find out what’s going on.

American Express Business Gold Card Approval Tips
Remember to Always Be Friendly to the Customer Service Representative When You’re Calling the Reconsideration Line

A few tips to remember when calling the reconsideration line:

  • Be friendly.  Customer service representatives will appreciate kindness because they put up with a lot!
  • Know key features of the card that you’ll use.  Do NOT say you just want the welcome bonus
  • Be prepared to provide documentation regarding your business, such as a copy of a business card, proof of mailing address, invoices, etc.

Here are 5 ways to make your credit card reconsideration telephone call a success!

The American Express Business Gold Rewards Card

Link:   The Business Gold Rewards Card from American Express OPEN

Link:   My Review of the AMEX Business Gold Rewards Card

When you apply for the AMEX Business Gold Rewards card, you’ll earn 50,000 American Express Membership Rewards points after spending $5,000 on purchases in the first 3 months of opening your account.  These flexible points are extremely valuable for folks looking to get Big Travel with Small Money because you transfer points directly to travel partners like JetBlue and Singapore Airlines.

American Express Business Gold Card Approval Tips
Transfer AMEX Membership Rewards Points to Singapore Airlines to Book an Award Ticket in a First Class Suite!

Some folks tell me they’ve received targeted mailers with larger bonus offers.  So keep an eye out to see if you can get a better deal.

Remember, with AMEX, you can only earn the welcome bonus on a card ONCE per person, per lifetime on ALL their cards.  So it’s best to apply when you can take advantage of a larger than normal bonus.

As an AMEX Business Gold Rewards cardholder, you’ll also earn 3X AMEX Membership Rewards points per $1 you spend in 1 of these 5 categories (you get to choose):

  • Airfare purchased directly from airlines
  • US purchases for advertising in select media
  • US purchases at gas stations
  • US purchases for shipping
  • US computer hardware, software, and cloud computing purchases made directly from select providers

Note:   You can choose your AMEX Business Gold card 3X bonus category within the first 2 months of receiving your card.  After that, you can change it annually between December 1 and January 31.  If you don’t make a change, your 3X bonus category will remain the same as the previous year.  Here’s a step-by-step guide to choosing your AMEX Business Gold card 3X bonus category.

For the remaining 4 categories, you’ll earn 2X AMEX Membership Rewards points per $1 spent.  And you earn 1 point per $1 for all other purchases.

Keep in mind, you’ll earn 2X and 3X points on the first $100,000 in eligible purchases in each category per calendar year.  After that, you’ll earn 1 point per $1.

And the card’s $175 annual fee is waived for the first year.  So you can use the card for ~10 or ~11 months to see if the perks are worth the annual fee.  Then, decide whether to keep the card or cancel.

AMEX Business Cards Do NOT Get in the Way of Future Chase Card Applications

Because AMEX business cards will not show up on your personal credit report, getting the AMEX Business Gold Rewards card will NOT count toward Chase’s 5/24 rule.

So getting this card won’t hurt your chances of being approved for Chase cards in the future!

Bottom Line

With the AMEX Business Gold Rewards card, you’ll earn 50,000 AMEX Membership Rewards points after meeting minimum spending requirements.

To maximize your chances of being approved for the AMEX Business Gold Rewards card, make sure you meet requirements like:

  • Have a credit score of 700+
  • Operate a for-profit venture
  • Have NOT received the welcome bonus from the AMEX Business Gold Rewards before

Keep in mind, American Express still has the final say in whether you’ll be approved.

If your application isn’t immediately approved, you should wait for the automated system to make a decision.  But if you’re declined, you should call AMEX to request reconsideration.

Have any approval tips of your own?  Share them in the comments to help your fellow readers!

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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