Amex Business Gold Card Bonus: As High As 200K Points Welcome Offer

The American Express® Business Gold Card is one of the most rewarding business cards if you’re looking to earn Amex Membership Rewards points.

We’re currently seeing an excellent Amex Business Gold Card welcome offer, which is the biggest bonus we’ve ever seen on the card, making it the ideal time to apply. If you’re eligible for this card and the highest possible bonus, it’s absolutely worth taking advantage of, in my opinion.

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Link: Learn more about the American Express® Business Gold Card

See what Amex Business Gold Card offer you’re eligible for

The Amex Business Gold Card currently has a massive welcome offer that’s as high as 200,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months. Welcome offers vary and you may not be eligible for an offer. Find out your offer.

Amex uses a variety of factors when it comes to deciding what offer people are eligible for, including history of opening and closing cards with Amex, spending history with Amex, how many welcome offers people have earned, etc. So, how does this Amex Business Gold Card bonus actually work?

• You’ll first want to go to the application page and fill out the application, with your personal and business details
• You’ll then be presented with an Amex Business Gold welcome offer amount, and you can then decide whether you want to accept the offer or not
• If you don’t accept the Amex Business Gold welcome offer, there will be no impact on your credit score; if you do accept the offer, your credit will be pulled

You should find the highest possible offer through the above link. However, if you don’t, it can always be worth checking refer-a-friend links, opting in to targeted emails from Amex, or even using the CardMatch tool to see what you’re eligible for there. That being said, don’t expect to get a higher offer through any of those sources, since offers are typically targeted based on the person, rather than the application method.

It goes without saying that the Amex Business Gold bonus spending requirement is potentially significant, as it averages out to $5,000 per month. However, there are lots of ways to be creative with reaching minimum spending, and to make a plan. You could time your application around some large upcoming business expenses (whether that’s an ad campaign or buying inventory), prepay for some items, and maybe even put some expenses on credit cards that you might otherwise pay for with cash. Of course make sure you pay off everything in full by the payment due date, so that you don’t get stuck paying high interest charges.

Based on my latest miles & points valuations, I consider Membership Rewards points to be worth 1.7 cents each. That means to me, 200,000 points are worth $3,400, which is an incredible offer, assuming you’re eligible. This is the biggest publicly available bonus that we’ve seen on this card, and in the past, we’ve often only seen offers of 70,000 to 100,000 points, so this is much better. I’d consider the Amex Business Gold Card bonus to be among the best welcome offers out there.

There are lots of great uses for Amex points, as they can be transferred to all kinds of useful airline and hotel partners, ranging from Air France-KLM Flying Blue, to Emirates Skywards, to Singapore Airlines KrisFlyer, to Virgin Atlantic Flying Club. Just to give a couple of examples of Amex points redemption opportunities:

• You could transfer 60,000 points to Avianca Lifemiles for book a one-way All Nippon Airways first class award from Tokyo (NRT) to Honolulu (HNL), with $80.99 in taxes & fees; that same flight would cost thousands of dollars if paying cash
• You could transfer 75,000 points to Aeroplan to book a one-way SWISS business class award from Miami (MIA) to Zurich (ZRH), with $56.62 in taxes & fees; that same flight would cost thousands of dollars if paying cash

Who is eligible for the Amex Business Gold Card bonus?

In line with Amex’s “once in a lifetime” rule, the Amex Business Gold Card bonus isn’t available to those who currently have the card, or those who have had the card (or previous versions of the card) in the past. On top of that, Amex’s general card restrictions apply.

There are a few additional things to note when it comes to apply for Amex business cards:

• You are eligible for the welcome offer on this card if you’ve had any other Amex card, so you can apply for this card even if you have another Amex business card, like The Business Platinum Card® from American Express (learn more) or the personal version of this card, the American Express® Gold Card (learn more)
• You don’t need a corporation to apply for an Amex business card, as even a sole proprietorship would qualify for such a card; this could include side hustles, ranging from freelancing to having a rental property
• While Amex typically has a limit of letting someone have at most five Amex credit cards (including personal and business cards), that doesn’t include this product, since it’s not a traditional credit card
• If you’re worried about the Chase 5/24 limit, getting approved for the Amex Business Gold shouldn’t count as a further card toward that limit, so that’s also a great reason to consider applying
• Amex does sometimes have application pop-ups indicating that you may not be eligible for a bonus even though you meet the published requirements otherwise, and in those cases there’s not much you can do

Anecdotally, I find this to be a pretty easy card to get approved for, and you can read about my experience applying here.

There’s not a consistent credit score you need to get approved for the Amex Business Gold, though I’d hope to have a score in the “good” to “excellent” range, ideally 700+ points. However, people with lower scores have been approved, and people with higher scores have been rejected, as it’s one of only many factors that impacts card approval.

Why the Amex Business Gold Card may be worth it

The Amex Business Gold Card has a $375 annual fee (Rates & Fees). There are many reasons to consider picking up this card.

I’d say the single biggest reason to get the Amex Business Gold is because of the rewards structure. Each billing cycle, the card earns 4x points in the two categories in which your business spends the most. There are a total of six eligible categories to choose from. Note that you earn 4x points on the first $150,000 in combined purchases from these categories each calendar year, and then 1x points thereafter.

Categories eligible for 4x points on the Amex Business Gold include the following:

• Purchases at U.S. media providers for advertising in select media (online, TV, radio)
• U.S. purchases made from electronic goods retailers and software & cloud system providers
• U.S. purchases at restaurants, including takeout and delivery
• U.S. purchases at gas stations
• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

The Amex Business Gold also offers 3x points per dollar spent on flights and prepaid hotels booked through Amex Travel (either on amextravel.com or the Amex Travel app), and 1x points on all other eligible purchases, with no foreign transaction fees (Rates & Fees).

On top of that, the Amex Business Gold offers up to $845 in annual credits, potentially more than offsetting the annual fee. The Amex Business Gold credits include the following:

• Up to $300 in statement credits annually for U.S. purchases of ChatGPT Business, subject to auto-renewal
• Up to $240 in statement credits annually ($20 per calendar month) for eligible U.S. purchases at Grubhub, office supply stores, and UPS.com shipments (Enrollment required)
• Up to $155 in statement credits annually ($12.95 per calendar month) toward a Walmart+ membership, which covers the entire cost of that, and can save you money on shipping and delivery of Walmart purchases, and can also save you money on prescriptions and gas (Enrollment required)
• Up to $150 in statement credits annually for U.S. subscription purchases with Squarespace, subject to auto-renewal (Enrollment required)

Read a full review of the Amex Business Gold Card here.

Amex Business Gold Card bonus & eligibility FAQs

Bottom line

There’s currently an excellent Amex Business Gold Card bonus, as the welcome offer is as high as 200,000 Membership Rewards points upon completing minimum spending. While the spending requirement is significant, so is the number of points you can earn, so this is worth it if you can swing it… assuming you’re eligible!

The main reason to consider picking up this card (beyond the great welcome offer) is because it offers 4x points in valuable categories. On top of that, though, the card offers some credits that can help offset the annual fee.

Do you plan on picking up the Amex Business Gold Card? What kind of a welcome offer are you eligible for?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees).