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American Express

American Express Business Gold

American Express · business · Annual fee $375

American Express Business Gold card art

Annual fee

$375

Best earn rate

4x

Welcome bonus

100k

Welcome bonus

100,000 Membership Rewards points after $15,000 spend in 3 months

Earn rates

  • flexible-top-2(4x on top 2 of 6 eligible categories monthly, up to $150k/yr)4x
  • Issuer Travel Portal(Prepaid flights & hotels via Amex Travel)3x
  • Everything Else1x

Perks & credits

  • $240 Flexible Business Credit ($20/month)
    $20monthly
  • $155 Walmart+ Credit (~$13/month)
    $13monthly
  • No Foreign Transaction Fees
    ongoing
  • Purchase Protection
    ongoing
  • Extended Warranty
    ongoing

Transfer partners

See Amex Platinum — same MR partners

Active transfer bonuses

  • Air France/KLM Flying Blue

    Transfer Amex MR to Flying Blue at +25% bonus points through June 30, 2026

    Expires Jun 30, 2026

    +25%
  • Marriott Bonvoy

    Transfer Amex MR to Marriott Bonvoy at +20% bonus points through June 30, 2026

    Expires Jun 30, 2026

    +20%
  • Avianca LifeMiles

    Transfer Amex MR to Avianca LifeMiles at +15% bonus through July 15, 2026

    Expires Jul 15, 2026

    +15%