American Express
American Express Business Gold
Annual Fee
$375
Sign-up Bonus
100,000 pts
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 4x on other travel (catalog median is 2x)
- 4x on dining (catalog median is 2x)
- 4x on fast food (catalog median is 2x)
- Credits worth about $206/yr at typical usage offset 55% of the fee
- Non-bonus spending earns only 1x
Is the $375 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$323/yr
$492 rewards + $206 credits - $375 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$469/yr
$638 rewards + $206 credits - $375 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$507/yr
$676 rewards + $206 credits - $375 fee
Rewards by Category
Dining
4x
Grocery
1x
Gas
4x
Flights
3x
Hotels
3x
Other Travel
4x
Online Shopping
4x
Rideshare
4x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
4x
Cell Phone
1x
Fast Food
4x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
4X on top 2 spending categories each billing cycle (transit, restaurants, gas, advertising, shipping, wireless, tech) up to $150K/year. 3X on amextravel.com. Statement credits for FedEx, Grubhub, office supplies.
Benefits & Credits
FedEx/Grubhub/Office Credits$240
We count this at 60% of face value (typical usage)
Walmart+ Membership$155
We count this at 40% of face value (typical usage)
American Express Business Gold FAQ
What is the American Express Business Gold annual fee?
The American Express Business Gold has a $375 annual fee. Statement credits worth about $206/yr at typical usage reduce the effective cost.
What is the American Express Business Gold signup bonus?
100,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the American Express Business Gold?
4x on other travel, 4x on dining, 4x on fast food. Everything else earns 1x.
Is the American Express Business Gold worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $323/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
Is American Express Business Gold Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.