Who it's for
Premium travelMore rewards dining outTravel credits & perks
Amex Business Gold
Best for self-employed/freelancers with variable monthly spend. Auto-picks your top 2 categories monthly for 4x — no manual setup. The $480 in stated credits more than offsets the $375 fee for engaged users.
$1,501/yrest. value at typical spending
$375annual fee
$845yearly credits
−$470fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 2.5x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 11 transfer partners
- 4x Membership Rewards on your top 2 of 6 eligible business categories each month: U.S. restaurants, U.S. gas stations, U.S. transit, U.S. electronic goods, U.S. software, U.S. media advertising
- 4x on the first $150,000 in combined purchases across those top 2 categories per year, then 1x
- 3x on flights and prepaid hotels booked through Amex Travel
- 1x on everything else
- $240 flexible business credit: $20/mo at Grubhub, office supply stores, and FedEx (FedEx through 10/1/2026)
- $155 annual Walmart+ membership credit
- $300 ChatGPT Business credit per calendar year (enrollment required)
- $150 Squarespace credit per calendar year (enrollment required)
- Full Amex Membership Rewards transfer access
- No foreign transaction fees
Transfer partners
Delta SkyMilesAir Canada AeroplanANA Mileage ClubBritish Airways AviosEmirates SkywardsEtihad GuestAir France-KLM Flying BlueSingapore KrisFlyerTurkish Miles&SmilesMarriott BonvoyHilton Honors
Similar cards
- Amex Gold Card$325 annual fee$1,616est. value/yr
- Amex Green Card$150 annual fee$1,234est. value/yr
- Bank of America Premium Rewards$95 annual fee$916est. value/yr
- Chase Sapphire Reserve$795 annual fee$2,521est. value/yr
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