American Express Business Gold Rewards Card
Business Rewards

American Express Business Gold Rewards Card

American Express(Canada) American Express(Canada)
Welcome Bonus: Up to 70,000 Membership Rewards points
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 APR21.99%
Cash Advance APR21.99%
Annual Fee$199
Supplementary Card Fee$50
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Business Rewards
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