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Amex Business Gold
American Express

Amex Business Gold

Annual fee
$375
Rewards
Membership Rewards Points
Benefits
8 · $945/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by American Express · disclaimer
Ranked in: #28 · Premium

Earn Rates

CategoryRateTrue cash-back value
Everything else 1x 1.4%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (5)

$300 Annual ChatGPT Business Credit

$300/yr
Annual Activation required

Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on the Business Gold Card.

$20 Monthly Flexible Business Credit

$240/yr
Monthly Activation required

Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.

$12.95 Monthly Walmart+ Credit

$155/yr
Monthly Activation required

Receive a statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.

$150 Annual Squarespace Credit

$150/yr
Annual Activation required

Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold Card.

$100 Hotel Collection Credit

$100/yr
Annual

Up to $100 in hotel credits toward qualifying activities (dining, spa, etc.) when booking eligible properties in The Hotel Collection through American Express Travel for at least two consecutive nights.

Protections (3)

Cell Phone Protection

Annual

Reimbursement for up to $800 in repair or replacement costs if your eligible cellphone is damaged or stolen. $50 deductible applies to each approved claim, limited to 2 approved claims per rolling 12-month period. Prior month wireless bill must have been paid with the card.

Car Rental Insurance

Annual

Secondary coverage for damage due to theft and collision when you pay for your entire car rental with the card and decline the rental company collision damage waiver. Some vehicle types and countries are excluded.

Purchase Protection

Annual

Coverage for theft or damage that occurs within 90 days of purchase, up to a maximum of $1,000 per occurrence and $50,000 per account per calendar year when you pay for eligible items with the card.

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 8 Amex Business Gold benefits automatically — redemption progress, reset dates and expiry alerts.

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