American Express Business Gold Review
American Express · Businesses with variable top spending categories
4.4 / 5 (654 reviews)
Annual Fee
$295
Rewards
4x on top 2 categories where you spend most each month (up to $150,000/year)
Regular APR
19.49% – 27.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The intelligent business rewards card that automatically gives you 4x Membership Rewards points on whichever two eligible categories you spend most in each month. Whether your biggest costs are advertising, shipping, or dining, the card adapts. Points transfer to 20+ travel partners for outsized value.
Pros
- 4x auto-adapts to your top spending categories
- No foreign transaction fees
- Large sign-up bonus
- Flexible point transfers
- $240 annual business credit
Cons
- $295 annual fee
- 4x capped at $150,000/year
- Not accepted everywhere
Sign-Up Bonus
100,000 points after spending $15,000 in 3 months
Key Benefits & Perks
4x auto-selects your top 2 categories
No foreign transaction fees
$240 flexible business credit (up to $20/month)
Transfer to 20+ airline & hotel partners
Pay Over Time option
Employee cards with spending limits
Rewards Breakdown
| Category | Rate |
|---|---|
| Top 2 spending categories (auto-selected) | 4x |
| Airfare via Amex Travel | 3x |
| Everything else | 1x |
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Businesses with variable top spending categories
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