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Amex Business Gold Card Review: An Unusual Bonus and Perks for Small Business Owners

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Amex Business Gold Card Review: An Unusual Bonus and Perks for Small Business Owners

Million Mile SecretsAmex Business Gold Card Review: An Unusual Bonus and Perks for Small Business OwnersMillion Mile Secrets Team

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INSIDER SECRET: This card is a good pick if your business spending habits change from month to month, because you’ll earn bonus points based on where you do most of your spending.

Amex business credit cards are very appealing to folks in the points and miles hobby because they do not appear on your personal credit report, so opening cards won’t hurt your chances of being approved for top Chase cards due to the 5/24 rule.

If you qualify for small-business cards, the American Express® Business Gold Card currently has a limited-time welcome bonus through November 6, 2019. You can earn up to $500 in statement credits by purchasing qualifying FedEx services in the first three months of account opening, which is a good deal for small businesses who do a lot of shipping. With this offer, there are no bonus points as part of the intro bonus, but you will earn American Express Membership Rewards points for your purchases.

Here’s our review of the American Express Business Gold Card.

Business owners with shipping expenses can do well with the FedEx statement credit bonus — find out more in our American Express Business Gold card review. (Photo courtesy of FedEx)

Amex Business Gold Bonus

Apply Here: American Express Business Gold Card

Until November 6, 2019, the Amex Business Gold Card comes with up to $500 in statement credits for qualifying FedEx purchases made in the first three months of account opening. Normally, the welcome bonus includes Amex Membership Rewards points, but that’s not the case with this offer.

If you’re looking to earn points to unlock free travel, there are better travel credit cards to consider, especially because Amex only lets you earn the welcome bonus once, per person, per lifetime on a particular card. That said, if your business spends a lot on shipping, this could be a compelling deal.

Benefits of the Amex Business Gold Card

The Amex Business Gold comes with other valuable perks to help business owners save time and money:

Baggage Insurance Plan

When you pay for your ticket with the Amex Business Gold, you’re covered up to $1,250 for carry-on luggage and $500 for checked luggage if your bags are lost, damaged or stolen. Read about important restrictions and exclusions here.

Car Rental Loss and Damage Insurance

Use your Amex Business Gold to pay for your car rental and you’ll receive secondary car rental insurance coverage up to $50,000 if your car is damaged or stolen. Here are important details and restrictions.

Travel Accident Insurance

If tragedy strikes while you’re traveling, you could be covered for losses resulting from accidental death or dismemberment. Your immediate family (spouse, dependent children under 23, etc.) are also covered on an eligible trip.

To be eligible for this insurance you’ll need to pay for your entire travel fare (cruise, ticket, etc.) with your Amex Business Gold. Read the full terms of travel accident coverage here.

Extended Warranty

When you make an eligible purchase with the Amex Business Gold, the original manufacturer’s warranty can be extended up to two additional years on eligible warranties of five years or less. This can save you money if you would have otherwise paid for an expensive extended warranty. Here’s more about extended warranty coverage.

Return Protection

If you try to return an eligible item and the merchant won’t take it back within 90 days of the date of purchase with your Amex Business Gold, you may be refunded the full purchase price, up to $300 per item and a maximum of $1,000 per year. Read important restrictions here.

Purchase Protection

The Amex Business Gold has you covered if an eligible item you’ve bought with the card is accidentally damaged or stolen within 120 days of purchase. Check out important restrictions here.

Amex Offers

Amex Offers are targeted discounts or bonus miles on everyday purchases. Just add the deal to your card and make an eligible purchase to earn a statement credit or bonus miles.

American Express Business Platinum Review
AMEX Business Gold cardholders can take advantage of Amex Offers to save money or earn bonus points.

Premium Roadside Assistance Hotline

The Amex Business Gold comes with access to Amex’s 24-hour Premium Roadside Assistance Hotline. Up to four times a year, they can help you with the following free of charge:

  • Towing up to 10 miles
  • Winching
  • Jump starts
  • Flat tires (when you’ve got a working spare)
  • Delivery of up to two gallons of fuel
  • Lockout service when the key is in your vehicle

Here are all the details of the Premium Amex Roadside Assistance Hotline.

Expense Management Tools

The card is equipped to connect to Quickbooks, access SpendManager, receive a year-end summary, etc.

Add Employee Cards

You can order cards for your employees and earn points for their spending, too. The first employee card costs $50 and any additional cards are free (See Rates & Fees). This also makes it easy to track employee expenses with spending limits, alerts and summary reports.

Is the Amex Business Gold Card Worth the Annual Fee?

The Amex Business Gold comes with an annual fee of $295 (See Rates & Fees).  That’s no small amount of money, but if you can make the most of the welcome bonus you’ll come out ahead in the first year. This could be a winner for small business owners who generate a lot of spending or make use of the 25% points rebate.

If you’re a small business owner, you can apply for the Amex Business Gold card using just your social security number. You’re not required to have an EIN (Employer Identification Number) to apply.

Remember, to qualify for a business card, you just have to show the bank you’re aiming to make a profit, such as tutoring or selling items on eBay.

Also before you apply, remember that you only have the opportunity to earn each Amex card’s bonus the first time you open it.

How to Earn Points With the Amex Business Gold Card

The Amex Business Gold comes with excellent spending categories. You’ll earn 4 Amex Membership Rewards points per dollar on two categories where you spend the most each month (capped at the first $150,000 in combined purchases each calendar year, then 1 point per dollar):

  • Airfare purchased directly from airlines
  • US purchases for advertising in select media (online, TV, radio)
  • US purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • US purchases at gas stations
  • US purchases at restaurants
  • US purchases for shipping

This is a nice change because you won’t have to choose you bonus categories beforehand. Instead you’ll automatically earn 4x Amex Membership Rewards points per dollar on whatever two categories you spend the most on each month, and you will earn 1 Amex Membership Rewards point per dollar for everything else.

If you have lots of business expenses, you can do well with this card. Amex Membership Rewards points are very handy for free flights all over the world because you can transfer them to partners like Delta, Air Canada Aeroplan and Singapore Airlines.

Amex Membership Rewards points are useful because you can transfer points and book award flights on partner airlines, like Delta. (Photo by Dave Alan/iStock by Getty Images)

How to Use Amex Membership Rewards Points

Read our review of American Express points program

Amex Membership Rewards points get you lots of travel flexibility, because if you don’t have set travel plans for a future trip, these transferable points give you the option to choose from multiple direct airline and hotel partners when the time comes. Plus, you’ll get access to other indirect partners thanks to airline alliances and partnerships.

Transferring points to partners will usually get you the most value for your Amex points. However, you can also redeem points at a rate of 1 cent each using Amex Pay With Points for flights through the Amex Membership Rewards portal without having to worry about blackout dates.

Plus, you’ll receive a 25% points rebate if you use your Amex points for flights booked with Amex Travel (up to 250,000 points back each calendar year). The rebate will kick in for first and business-class tickets, as well as coach tickets on your selected airline.

Here are a few ways you can use Amex points to unlockfree travel.

1. Cheap Award Flights to Hawaii

Alaska Airlines and Singapore Airlines are partners. This means you can transfer Amex Membership Rewards points to Singapore Airlines, then book coach award flights on Alaska Airlines to Hawaii from West Coast cities like Los Angeles, San Francisco and Seattle for only 12,000 Singapore Airlines miles.

That means by opening the Amex Business Gold, you’ll have enough points for a round-trip flight from the West Coast to Hawaii (24,000 Amex Membership Rewards points for a round-trip flight/4 points per dollar for spending in bonus categories), with plenty of points left over.

Transfer 24,000 Amex Membership Rewards points to Singapore Airlines for the absolute cheapest award flight between Hawaii and the West Coast. (Photo courtesy of Alaska Airlines)

Check out this post for tips on redeeming Singapore Airlines miles for Alaska Airlines award flights to Hawaii.

2. Delta Award Flights to Los Angeles, New York and Many Other Great Cities!

Folks traveling within the US can transfer Amex Membership Rewards points from the Amex Business Gold welcome bonus to Delta, then book award flights to fun cities like New York or Nashville.

Delta no longer publishes an award chart, but it’s possible to find cheap one-way coach award flights at the following prices if you’re flexible with your travel dates:

  • 5,500 Delta miles for short-haul flights (i.e. Los Angeles to San Francisco)
  • 10,000 Delta miles for medium-haul flights (i.e. New York to Atlanta)
  • 12,500 Delta miles for long-haul flights (i.e. New York to Los Angeles)

And Delta frequently has fabulous sales, both domestic and internationally. We always tell you about Delta SkyMiles award sales here.

Transfer Amex Membership Rewards points to Delta and book an award flight to Los Angeles to enjoy the warm nights and gorgeous scenery. (Photo by LPETTET/iStock by Getty Images)

Keep in mind, you’ll have to pay a small excise fee to transfer Amex Membership Rewards points to Delta because it’s a US airline.

3. One-Way Business Class Award Flight to Europe

If you’re looking to travel to Europe in style, you can transfer Amex Membership Rewards points to Air Canada Aeroplan and book a business-class award flight. Air Canada is part of Star Alliance, which means you can redeem miles for award flights on partner airlines like Lufthansa, SWISS and United Airlines.

A one-way business-class award seat from the US to countries in Western Europe (like Germany, Italy and Switzerland) costs 55,000 Air Canada Aeroplan miles. A similar one-way business-class flight could cost several thousand dollars if you paid cash, so the points you earn with your Amex Business Gold can save you lots of money.

Does the Amex Business Gold Card Have a Foreign Transaction Fee?

No. (See Rates & Fees)

Credit Cards Similar to the Amex Business Gold Card

Amex Business Platinum

Apply Here: The Business Platinum® Card from American Express

Read our review of The Business Platinum® Card from American Express

The Business Platinum® Card from American Express is a souped-up version of the Amex Business Gold. Some benefits are similar, like a 35% points rebate when you purchase airfare with points through the Amex Travel portal on your selected airline (or any first or business-class flight). It’s got a much heftier welcome offer of up to 75,000 Amex Membership Rewards points:

  • 50,000 Amex Membership Rewards points after you spend $10,000 on purchases in the first three months of account opening.
  • 25,000 Amex Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same time frame

That’s enough for a round-trip flight to Europe.

Use 60,000 Amex Membership Rewards points to fly round-trip in coach to Europe on Delta. (Photo by Swen Stroop/iStock by Getty Images)

The card also has benefits that are way better than the Amex Business Gold card, but it’s also got a bigger $595 annual fee (See Rates & Fees). Here are some of the things you’ll get:

  • 5x Amex Membership Rewards points per dollar when you book airfare and hotels through the Amex travel portal
  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food and drink, etc.)
  • Ability to book hotel stays through Amex Fine Hotels & Resorts
  • Access to airport lounges (Delta, Priority Pass, Airspace and American Express Centurion Lounges)
  • Elite car rental status with Avis, Executive status with National Car Rental and Gold Plus Rewards with Hertz
  • Free Gold Hilton status (free breakfast and upgrades when available)
  • Statement credit for Global Entry or TSA PreCheck
  • Terms & Limitations apply

Bottom Line

For a limited time until November 6, 2019, with the Amex Business Gold Card, you’ll earn up to $500 in statement credits for FedEx purchases made in the first three months of account opening. There are no bonus points tied to the intro bonus, but you’ll earn American Express Membership Rewards points for your ongoing spending.

This isn’t the best bonus we’ve seen for the card, but it could be handy for those who spend a lot on shipping with FedEx. If your goal is earning miles and points for free travel, check out our list of the best travel credit cards for better options.

By transferring Amex Express Membership Rewards points to any of Amex’s direct airline and hotel partners for award travel, you can hop the globe for free.

Don’t forget, Amex small business credit cards do not appear on your personal credit report, so opening this card won’t hurt your chances of being approved for any Chase cards because of the 5/24 rule.

You can apply for the Amex Business Gold Card here.

For more about American Express Membership Rewards points, check out these guides:

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

For rates and fees of the Amex Business Gold Card, please click here.
For rates and fees of the Amex Business Platinum Card, please click here.

American Express® Business Gold Card

American Express® Business Gold Card

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

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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This card is great for expenses such as shipping, hardware, ads, etc. I like that the annual fee is waived the first year, which provides a free trial to evaluate if the benefits of the card are worth keeping beyond the first year. I like the range of transfer partners that Amex has, esp. JetBlue and Delta.

I signed up for the 50K bonus and to stay out of Chase 5/24 w Bus Gold card… 6,000 Delta points would be nice… Keep up the great work on blog MMS

Honestly I signed up for this card mostly for the bonus – but I have ended up keeping it for a couple of years because I’ve been able to come out ahead on sync offers alone. This card seems to get targeted for different offers than my personal cards, so it’s been nice to have.

As a small Ecommerce business owner, the ability to earn 3x points on shipping is a huge benefit. Our operation can spend 15-20k a month in shipping so we love earning the big travel rewards from our spending.

AMEX Business Rewards Gold is one of the few cards you can take advantage of a bonus on advertising, which my particular business uses a lot. Triple the points on one category and double in several others. You can likely find a large sign on bonus every so often.

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