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American Express® Business Gold Rewards Card®

American Express® Business Gold Rewards Card®

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Network Provider
American Express
Provider
American Express
Types
Rewards
Business
Annual fee
$199
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Credit Needed
Good (650-749)

Card description

  • Earn up to 110,000 points: Earn a welcome bonus of 60,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership. Earn an additional 10,000 Membership Rewards® points when you make a purchase after your 14-month Card anniversary date. Plus earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year. If redeemed for a statement credit, this is $1,100 that you can reinvest in your business.
  • The Membership Rewards program boasts an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchadise, and more
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.
  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card. Track Your Progress by logging into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use http://amex.ca/Mobile to view more information. Available on iOS and Android only.
  • Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere
  • 99% Recycled Plastic: You will receive your new Business Gold Rewards Card once your current Card expires. You can continue to use your current Card until you receive a new one. As part of our commitment to sustainability, your Card has been created using 99% recycled plastic
  • Special Business Offers with American Express. Explore offers for dining, travel, business supplies and services, and more – from brands you love
  • Enjoy added confidence with Mobile Device Insurance. You can be protected with our Mobile Device Insurance. Enjoy your new mobile device with more confidence
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.
  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can redeem points for a statement credit.
  • Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
  • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere.
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Card Features

  • Employee Card Misuse Protection
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance

About This Card

Business owners with excellent credit scores can apply for the American Express Business Gold Rewards card. 

This is a charge card, so you have to pay off the balance in full each month. Fortunately, the grace period for the American Express Business Gold Rewards card is more than double the average: 55 days compared to the standard 21 days. 

If you fail to pay off the balance, an interest charge of 30% will be applied.

Cardholders earn one point for every dollar spent on eligible purchases with the card. They also have the ability to customize their rewards plan: American Express lets you choose three merchants where you’ll earn twice the points whenever you shop there. The maximum points you can earn annually is 250,000.

You can get a head start on maxing out your points with the American Express Business Gold Rewards' welcome bonus. After you charge $5,000 to your card within the first three months of ownership, 60,000 points will be added to your account.  Also, after charing $20,000 in net purchases to your Card account each calendar quarter, you'll earn an additional 10,000 Membership Rewards® points (that's up to 40,000 points for the year!).

The card has other advantages for business owners, including quarterly and annual expense management reports, dynamic purchasing power, and 24-hour customer service.  

 

Why get the American Express Business Gold Rewards Card?

110,000-point bonus -  American Express Business Gold Rewards card members are eligible to receive a welcome bonus of 60,000 rewards points—about $600 in cash. To obtain these points, the cardholder must spend $5,000 within three months of activating the card.  PLUS, earn an additional 10,000 Membership Rewards® points when you make a purchase after your 14-month Card anniversary date. Plus earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year. If redeemed for a statement credit, this is $1,100 that you can reinvest in your business.

Tax-deductible annual fee - Under certain circumstances, cardholders can claim the annual fee as a tax-deductible business expense.

It mixes business and pleasure - Yes, this is a business card, but it still offers perks. The American Express Business Gold Rewards card is partnered with The Hotel Collection, which has over 600 member hotels and resorts in over 30 countries.

When holders of the American Express Business Gold Rewards book a stay with one of these member hotels through  American Express Travel, they're entitled to the following extras: 

  • A credit of up to $100 USD for amenities like spa treatments, golf, and dining experiences (room service excluded).   
  • A complimentary room upgrade at check-in, when available.

Transfer your points - For no extra charge, points can be transferred to competing frequent flyer and loyalty programs, including Aeroplan and Avios.

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