Business
Rewards
American Express Business Gold Rewards Card
American Express(Canada)
Welcome Bonus:
Up to 70,000 Membership Rewards points
Secure RateBuddy connection · Application completed on American Express(Canada)’s site
Annual Fee
$199
Purchase APR
21.99%
Cash Advance
21.99%
Bonus Value
$700
RateBuddy Verdict
The Good
- The $100 Dell credit and $120 Instacart credit can completely offset the $199 annual fee if utilized.
- High-spending businesses earn an exceptional 10,000 bonus points each quarter they hit $20,000 in purchases.
- Provides valuable cash flow management tools including no pre-set spending limit and up to 55 interest-free days.
The Trade-offs
- Does not offer standard travel insurances like Emergency Medical or Trip Cancellation/Interruption.
- The base earning rate is only 1 point per dollar, with no accelerated everyday categories (unlike the personal Gold card).
Rewards & Earnings
Groceries
1%
Dining
1%
Gas
1%
Travel
1%
Recurring Bills
1%
Base Rate
1%
Rewards Summary:
Earn 1X points on all purchases. Plus, earn 10,000 bonus points each calendar quarter in which you charge $20,000 in net purchases to your Card.
Welcome Bonus Details
Earn a Welcome Bonus of up to 70,000 points ($700 value). Get 10,000 bonus points each quarter you spend $20,000.
Estimated Value: $700
Features & Benefits
Mobile Device Insurance
Mobile Device Insurance up to $1,000
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
Flight Delay Insurance
Flight delay up to $500
Baggage Delay/Loss Insurance
Baggage delay up to $500
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Common Carrier Accident Insurance
Travel Accident Insurance up to $100,000
Hotel/Motel Burglary Insurance
Hotel Burglary up to $500
Expense Management Tools
Expense Management Reports & 55 interest-free days
Employee Cards
Employee Cards available for $50 annually
Insurance Coverage
Includes Flight/Baggage Delay, Car Rental Theft/Damage, Mobile Device Insurance ($1k), Travel Accident, Employee Card Misuse Protection ($100k), and standard shopping protections. (No Travel Medical).
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $199 |
| Supplementary Card Fee | $50 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Business
Rewards
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