Is American Express® Business Gold Card worth it?
American Express® Business Gold Card can be a fit for people comparing business cards from American Express. The main things to weigh are the $375 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this business spending card shows points earning from 1x-4x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.
Intro offer: Intro value may include 200,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include cell phone protection may be available, extended warranty coverage may be included, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- American Express
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $375
- Purchase APR
- APR range: 17.74% - 28.49%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- $39
- Grace period
- 25 days
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Cell phone protection may be available
- Extended warranty coverage may be included
- Business spending features