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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com\/benefitsguide for more details. Underwritten by Amex Assurance Company.<\/em><\/p>\n When you run a business, every dollar counts. Having the right credit card can not only help you pay the bills, but it can go a long way to help you actually save<\/em> money.<\/p>\n As a business owner, you can qualify for cards that offer better rewards and perks than most personal travel cards<\/a>. <\/p>\n (And don\u2019t forget: freelancers, side hustlers, and really anyone with a bit of income on the side can qualify for business cards too. You don\u2019t need to be an LLC or have a formal business setup!!)<\/p>\n One of the cards I love is the American Express\u00ae Business Gold Card<\/a>. It\u2019s simple and straightforward, offering flexible bonus categories that actually match your spending habits (something I wish more cards did), and is especially good if you do a lot of paid online ads. <\/p>\n Here\u2019s everything you need to know about the American Express\u00ae Business Gold Card to see if it\u2019s right for you:<\/p>\n The Business Gold Card<\/a> is an easy-to-use business card issued by American Express. Its best feature is the ability to earn 4x points on the top two eligible categories where your business spends the most each month, from six eligible categories (more on those below). <\/p>\n I like that this keeps things simple, instead of offering a laundry list of statement credits to keep track of (though if you are interested in a card that does, check out my review of The Business Platinum Card\u00ae from American Express<\/a>).<\/p>\n As an Amex card, you\u2019ll also get access to fantastic customer service, Amex Offers, and some travel protections. <\/p>\n Here\u2019s a glance at some of the benefits this card offers:<\/p>\n The card does come with a $375 annual fee (See Rates and Fees<\/a>). <\/p>\n *Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com\/benefitsguide for more details. Underwritten by Amex Assurance Company.<\/em> As I mentioned, the best feature of this card is the ability to earn 4x in the two categories where your business spends the most (on your first $150,000 of spending each year). It\u2019s important to understand that this doesn\u2019t include all spending categories though, just these six eligible categories: <\/p>\n The nice part about this benefit is that your top two categories can change from month to month, reflecting your real-time business needs. But one of the ways to really maximize this benefit is that you can get 4x on online ads while most other cards offer a max of 3x. So, if you put all your online ads on this card and keep it as one of your top categories, you can get more points per dollar spent on ads than any other card! <\/p>\n And don\u2019t worry about keeping track of which categories are your most used. The card automatically figures out your top two spending categories and awards points accordingly (you\u2019ll see them as 1x until your statement closes, after which your top categories will be determined and points awarded). <\/p>\n To me, this is a huge perk because it keeps things simple. After all, as a business owner, you already have enough on your plate.<\/p>\n On the flip side, your regular business spending might not align with these categories. If that\u2019s the case, I\u2019d recommend a business card that has an increased earning rate on the ones that you do spend in, or one that earns more across all categories (you can check out which ones I recommend in this post on my favorite business cards<\/a>). With the Business Gold Card, you\u2019ll earn Membership Rewards\u00ae points, which you can transfer to any of Amex\u2019s 21 airline and hotel partners. Since Amex has a well-rounded suite of travel partners, Membership Rewards points are some of the most valuable points out there. <\/p>\n These are Amex\u2019s current travel partners: <\/p>\n Most transfers are instant, though some can take up to 48 hours. Remember to only transfer the exact number of points that you need to book your flight or hotel. Transfers are one-way only.<\/p>\n You can also use your Membership Rewards points to book flights and hotels in the Amex Travel portal. I would advise against it though<\/a>. It\u2019s not as good a value as transferring your points to partners. The Business Gold card offers statement credits in two categories, adding up to a potential annual savings of $395 per year (effectively paying for the cost of the card). <\/p>\n First, you can earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and office supply stores. <\/p>\n Second, you can earn up to $12.95 in statement credits each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. (Up to $12.95 plus applicable taxes. Plus Ups not eligible.) <\/p>\n I find these statement credits a bit random, and they\u2019re not the most helpful if you have an online business like me. I usually max out on the Grubhub credits though! The Business Gold Card<\/a> also has access to Amex Offers, an ever-changing roster of deals where you can save money or earn bonus points with select retailers. The offers are targeted, so every cardholder has their own unique array of offers at any given time. For these offers, you do have to add them to your card before making a purchase (or you won\u2019t get the deal). <\/p>\n Usually, they\u2019re structured as \u201cspend X, get Y amount back as a statement credit\u201d though sometimes they\u2019ll offer bonus points or a percentage back. While you probably won\u2019t be able to take advantage of most offers, the more you can, the more you can offset the card\u2019s annual fee. <\/p>\n New offers get added as old ones expire, so it\u2019s worth checking back every so often so you can add any offers to your card that you might use. The Business Gold card is best for business owners who have regular spending in the six categories where you can earn 4x points. This card is especially ideal for entrepreneurs who don\u2019t want to worry about rotating or pre-selecting bonus categories. All you have to do is use it for your regular business spending and you\u2019ll get your points. <\/p>\n Like with any card, if you\u2019re carrying a balance \u2014 or think you might \u2014 you shouldn\u2019t get this one. Travel cards like this come with high interest rates, and the rewards you earn won\u2019t make up for what you\u2019ll lose in interest charges. Trust me, no amount of points is worth going into debt over!<\/p>\n This card is also not for anyone with poor credit, as you need excellent credit to qualify. (If that\u2019s you, check out the best credit cards for improving your score<\/a>.)<\/p>\n The American Express Business Gold Card is one of my favorite business cards. The ability to automatically earn 4x points on your top two spending categories each month keeps things simple and helps you rack up points quickly. And more points equals more trips. <\/p>\n While it\u2019s not as flashy as its more premium counterpart the Business Platinum, I like to keep the Business Gold in my wallet because it works hard behind the scenes. If you\u2019re looking for a solid business card that works as hard as you do, this one\u2019s worth a closer look.<\/p>\n Download my free guide to points and miles and learn how to use points and miles for free travel! It's how all the pros travel so much! In this guide, I'll show you:<\/p>\r\n
\n <\/p>\nWhat is the American Express\u00ae Business Gold Card?<\/h3>\n
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\n <\/p>\nEarning Membership Rewards Points<\/h3>\n
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\n <\/p>\nUsing Your Membership Rewards Points<\/h3>\n
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\n <\/p>\nUp to $395 Per Year in Flexible Credit for Business Purchases<\/h3>\n
\n <\/p>\nAccess to Amex Offers<\/h3>\n
\n <\/p>\nWho is the Business Gold Card for?<\/h3>\n
\r\nStop paying full price for travel!<\/h5>\r\n
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