American Express Business Gold Card
By Alex Compton · Last verified
4x in your top two business categories, automatically.
Welcome Bonus
200,000
≈$4,000 value
Spend Requirement
$15,000
in 3 months
Annual Fee
$375
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: Personalized offer advertised as high as 200k
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 6 tracked offers going back to 2020, nothing has beaten 200k.
Current offer
200k
All-time high
200k
Typical offer
85k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 200,000 | $15,000 in 3 mo | Bonus increased: 100,000 → 200,000Personalized offer advertised as high as 200k | American Express business card directory → |
| 2026-06 | 100,000 | $15,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-02 | 100,000 | $15,000 in 3 mo | Bonus increased: 70,000 → 100,000 · Spend: $10,000 → $15,000 | Archive record · no attached snapshot |
| 2023-10 | 70,000 | $10,000 in 3 mo | Terms reconfirmedRefresh: $375 AF, new credits | Archive record · no attached snapshot |
| 2022-05 | 70,000 | $10,000 in 3 mo | Bonus increased: 35,000 → 70,000 · Spend: $5,000 → $10,000 | Archive record · no attached snapshot |
| 2020-01 | 35,000 | $5,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Personalized offer advertised as high as 200,000 points after $15,000 in three months; current $845 credit stack and eligible 4x categories reconciled
Fields: currentOffer, offerHistory, earningRates, credits, pros, ourTake, lastVerified
American Express business card directory →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 4xTop 2 of 6 eligible categories each cycle (up to $150k/yr)U.S. ads, electronics/software/cloud, restaurants, gas, transit and wireless service
- 3xFlights and prepaid hotels via Amex Travel
- 1xAll other purchases
Credits ($845/yr stated)
- Flexible business credit$240
$20 monthly: FedEx, Grubhub, office supply stores
- ChatGPT Business credit$300
Eligible U.S. subscriptions; enrollment required
- Squarespace credit$150
Eligible U.S. purchases; enrollment required
- Walmart+ membership credit$155
Benefits
- ✦4x categories adapt to your spending automatically
- ✦Full Membership Rewards transfer access
- ✦Amex Offers and purchase protection
Why it earns its spot
- +4x on ad spend alone justifies the card for marketers
- +No category tracking, the top two are picked for you
- +The advertised credit stack reaches $845 when every vendor fits
Where it costs you
- −$375 fee with monthly-gated credits
- −$150k annual cap on the 4x rate
- −Weak earner outside the six categories
The Compound Verdict
If your business spends heavily in the eligible 4x categories, the earning rate is hard to beat. The automatic category selection removes the usual optimization tax, but the $845 headline credit total only matters when ChatGPT Business, Squarespace, Walmart+ and the monthly flexible-credit merchants are already in your budget.
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