American Express Business Gold Card
$325 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $325”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
“Foreign Transaction: None.”
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$260 | −$260 |
| Typical spender | −$85 | −$85 |
| Heavy spender | $215 | $215 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at 0.6¢, the program's statement credit for eligible charges value; not counted: 3x Flights; not counted: 3x Pre-Paid Hotels.
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 25% of the 579 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Membership Rewards
- 4× pointsPurchases at U.S. media providers for advertising in select media (online, TV, radio)
- 4× pointsU.S. purchases made from electronic goods retailers and software & cloud system providers
- 4× pointsU.S. purchases at restaurants, including takeout and delivery
- 4× pointsU.S. purchases at gas stations
- 4× pointsTransit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- 4× pointsMonthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- 3× pointsFlights
- 3× pointsPre-Paid Hotels
- 1× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $325” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Transaction Fees Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF “Foreign Transaction: None.” |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Account Re-ope ning: $25 if your Account is cancelled, you ask us to re-open it, and we do so.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Business Gold monthly business purchase credit: $20 monthly
- ChatGPT Business credit: $300 annual
- Squarespace credit: $150 annual
- Walmart+ credit: $12.95 monthly
- No lounge access.
- The Hotel Collection: minimum two-night stay booked through AmexTravel.com, with a $100 credit toward eligible charges and a room upgrade upon arrival when available.
- Global Assist Hotline: 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance; third-party service costs are the Card Member's responsibility.
- No foreign transaction fees on purchases made outside the United States, although ATMs or merchants may charge their own fees.
- Cell phone: Up to $800 per claim
- Extended warranty: Up to one additional year
- Purchase protection: Up to $1,000 per covered purchase and up to $50,000 per Card Member account per calendar year
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit for all covered persons per covered trip
- Rental car
- Trip delay: Up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
Questions
- What is the annual fee?
- $325 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other points cards with fees over $300
- Bilt PalladiumBilt · $495 a year+$300 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$135 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$60 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).