Business
Rewards
American Express Business Gold Rewards Card
American Express(Canada)
Current Welcome Offer
Up to 70,000 Membership Rewards points
Annual Fee
$199
Purchase APR
21.99%
Cash Adv. APR
21.99%
Welcome Bonus
~$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 1.00%
Dining & Takeout 1.00%
Gas & Transit 1.00%
Travel 1.00%
Base Rate 1.00%
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.
- All Purchases: 1X Points
- Quarterly Bonus: 10,000 bonus points for spending $20,000+ in a calendar quarter
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: $700.00
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 LineĀ® 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
Additional Perks
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Insurance Coverage
Employee Card Misuse Protection
Up to $100,000 of coverage per Cardmember for eligible unauthorized charges by terminated employees.
Car Rental Theft & Damage
Coverage for MSRP up to $85,000 for rentals of 48 days or less.
Flight and Baggage Delay
Flight/Boarding Denial (>4 hours): Up to $500. Baggage Delay (>6 hours): Up to $500.
Hotel Burglary & Lost Baggage
Burglary: Up to $500. Lost/Stolen Baggage: Up to $500 per trip.
Mobile Device Insurance
Up to $1,000 per insured person for theft, loss, or accidental damage (max 2 years).
Travel Accident Insurance
Up to $100,000 of Accidental Death and Dismemberment Insurance.
Purchase Protection & Buyer's Assurance
Protection for 90 days (up to $1,000). Extended warranty doubles up to one additional year.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $199 |
| Supplementary Card | $50.00 |
| Income Required | No specific requirement listed. |