American Express Business Gold Card Up to $500 Back Bonus

American Express Business Gold CardThe American Express Business Gold Card offers solutions to meet business needs. For instance get more rewards with 4X points on 2 select categories where you spend the most each month, plus earn 1X on other purchases!

Once approved, you have the opportunity to earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express Business Gold Card within the first 3 months of Card membership. Offer expires 11/6/19. Additionally, the annual fee for this card is $295.

On top of this great opportunity to earn rewards for where your business spends most, you can earn an 25% airline bonus (25% of those points back) when you book your flight with American Express Travel using Membership Rewards® Pay with Points!

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Amex Business Gold Card Summary


American Express® Business Gold Card

Bonus Available Get up to $500 back in statement credits by purchasing qualifying services with FedEx within the first three months of Card membership. Offer expires 11/06/19.
Bonus Value $500
Travel Credit No travel credit.
Ongoing Benefits/Rewards

4x points per $1 spent on top 2 categories your business spent the most on for the billing cycle on up to the first $150,000 each calendar year. These categories include:

  • Airfare directly from airline
  • Advertising in select media
  • Computer purchases from select providers
  • Gas stations
  • Restaurants
  • Shipping

1x points on all other purchases.

Earn a 25% points back when you book your flight with American Express travel using Membership Rewards Pay with Points.

Foreign Transaction Fees? None
Airport Lounge Access N/A
Annual Fee $295

* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer.
View the latest valuations here.

Recommended Free Credit Score (Get Free Score)

690 – 850 (Good – Excellent)

PROS

  • Welcome Bonus
  • Flexible bonus categories
  • Points rebate
  • Transfer partners
  • No foreign transaction fees

CONS

  • High Annual Fee
  • Good-Excellent credit needed to qualify
  • Capped rewards

Editor’s Alternate Pick


With the The Business Platinum® Card from American Express:
• Welcome Offer: Earn up to 75,000 Membership Rewards® points.
• Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
• Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
• Get 50% more Membership Rewards® points. That’s 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
• 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
• Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
• Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
• Terms Apply
• See Rates & Fees


Amex Business Gold Card Up To $500 Back

Be sure to take advantage of the Business Gold Card’s up to $500 back in the form of statement credits. To get this cash back, purchase qualifying services with FedEx using your American Express Business Gold Card within the first three months of Card membership.

Note: Do you do a lot of spending for your business and looking for more opportunities to keep more money in your pocket? I recommend checking out the Chase Ink Business Preferred card, the Chase Ink Business Cash card, or the Capital One Spark Cash Business card to earn one of the best cash back rates on your spending! That means more money back in your pocket! For more options, see our list of credit card bonuses.


What Are Membership Points Worth?

Just like other points rewards cards, the value of each point depends on how you redeem them. Each Membership Rewards Point is valued to be at around $0.02, which is much better than the standard industry value of $0.01.

That is to say, in order to reach this value per point, you will need to take advantage of the program’s travel partners. So, below is a list of options of how you can redeem your Membership Rewards points.

Redeem for… Value
Travel via Amex or Expedia $0.005 – $0.01 / point
Transfer to travel partners Varies by partner
Statement credits $0.006 / point
Merchandise Varies by retailer
Unique experiences Varies by venue
Gift cards Varies by retailer
Charity donations $.007 / point

In addition, book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back. To clarify, you can get up to 250,000 points back per calendar year.

As a result, I highly recommend redeeming your points for travel. As an Amex Business Gold card member, you earn a 25% bonus when you redeem points for eligible travel purchases, including airfare, through the American Express Travel portal.

Therefore, your points earned with the Amex Business Gold card are worth up to 2 cents apiece when redeemed for airfare. This makes them much more valuable than the average rewards card value.

Membership Rewards Airline Partners

Aer Lingus AeroMexico Air Canada
Air France/KLM Alitalia All Nippon Airways
Avianca British Airways Cathay Pacific
Delta Airlines El Al Israel Airlines Emirates
Etihad Airways Hawaiian Airlines Iberia
JetBlue Airways Qantas Singapore Airlines
Virgin Atlantic

Membership Rewards Hotel Partners

Choice Privileges Hilton Honors Marriott Bonvoy

Bottom Line

Although the annual fee is a little higher than average, the American Express Business Gold card attracts many business owners who appreciate having their bonus categories automatically adjusted to their company’s spending. Therefore, the benefits far outweigh the what seemed to be a high annual fee!

This card also offers extensive benefits such as exclusive access to Gold Card events, purchase protection, extended warranty, travel insurance and so much more. Additionally, with an established business, it’s nice to have a card in your portfolio that allows you to take control with your point earning categories.

You can continue your daily operations knowing that American Express is here to offer you the best. In addition, for more of the best business credit cards, check out our full listing. Similarly, if you are interested in other credit card bonuses, check out all our reviews and exclusive offers here on HustlerMoneyBlog.com.

(Click here to apply for Amex Business Gold Card)

While American Express is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are the author’s alone and have not been reviewed, approved, or otherwise endorsed by the issuer.

For rates and fees of the American Express Business Gold Card, please click here


What’s the Competition?


To sum up, below are some of the top competitors of the Amex Business Gold Card that you should consider:

Chase Ink Preferred card
With the Chase Ink Business PreferredSM Card:
• Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
• Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open
• No foreign transaction fees
• Employee cards at no additional cost
• $95 Annual Fee


With the The Business Platinum® Card from American Express:
• Welcome Offer: Earn up to 75,000 Membership Rewards® points.
• Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
• Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
• Get 50% more Membership Rewards® points. That’s 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
• 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
• Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
• Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
• Terms Apply
• See Rates & Fees

Chase United Explorer Business Card
With the UnitedSM Explorer Business Card:
• Limited Time Offer: Earn up to 100,000 after qualifying purchases.
• Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
• Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open
• Earn 2 miles per $1 at restaurants, gas stations and office supply stores.
• Earn 2 miles per $1 spent on United purchases. And 1 mile per $1 spent on all other purchases.
• Free checked bag – save up to $120 per roundtrip (terms apply)
• Two one-time United ClubSM passes each year — Over $100 in value per year
• Employee cards at no additional cost – miles earned from their purchases accrue in your account. Plus, you can set individual spending limits for each card.

 Capital One Spark Miles Business card
With the Capital One® Spark® Miles for Business:
• Earn 2 miles per $1 on every purchase
• Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
• Miles won’t expire for the life of the account, and there are no categories to limit where or what you buy
• $0 intro annual fee for the first year; $95 after that
• There’s no limit to the amount of miles you can earn
• Redeem miles for travel, cash back, gift cards and more
• No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

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