American Express Business Gold Rewards Card
AMERICAN EXPRESSFor business spending
American Express Business Gold Rewards Card
8.7Canada Cards ScoreExcellentWelcome bonus
~$1400
Earn up to 70,000 Membership Rewards points
Why get this card
- ✓Big welcome bonus worth ~$1400
- ✓Bonus covers 7× the annual fee
- ✓Earn 10000x on quarterly bonus
Pros
- +Big welcome bonus worth about $1400
- +Strong 10000x earn on quarterly_bonus
Cons
- -Steep $199 annual fee
- -No insurance coverages captured
Earn rates
- all_purchases1x
Earn 1 point for every $1 in Card purchases.
- quarterly_bonus10000x
Earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card.
Welcome offer
Earn up to 70,000 Membership Rewards points
- Est. cash value
- ~$1400
- Bonus points
- 70,000
- Minimum spend
- $30,000
- Spend window
- 365 days
- Offer ends
- —
Earn 20,000 Membership Rewards points after spending $7,500 in your first 3 months, plus 50,000 points after spending $30,000 in your first year of Cardmembership, for up to 70,000 points. Current or former Cardmembers with this Card are not eligible.
Is this a record high? See the bonus history →Fees
- Annual fee
- $199
- Additional card
- $50
- Foreign transaction fee
- —
$199 annual fee. Additional Employee Business Gold Rewards Cards $50 annually each.
Interest rates
- Purchase APR
- —
- Cash advance APR
- —
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- Membership Rewards points
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.7Excellent- Everyday earn rateWeight 30
10000x on quarterly_bonus (≈20000.0¢/$)
- Welcome valueWeight 25
~$1400 estimated
- Annual-fee valueWeight 20
$199 annual fee
- Benefits depthWeight 15
0 insurance coverages
- Interest costWeight 10
Rate not published
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the American Express Business Gold Rewards Card worth it?
- It carries a $199 annual fee and a welcome offer worth about $1400, for an estimated first-year value of +$1201. Big welcome bonus worth ~$1400. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the American Express Business Gold Rewards Card?
- The annual fee is $199. The purchase interest rate is — and the cash advance rate is —. These are sourced from American Express's official page.
- What rewards does the American Express Business Gold Rewards Card earn?
- It earns up to 10000x on quarterly bonus, in Membership Rewards points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from American Express's own pages. Last checked 2026-06-13.
Cited, never sponsored
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