{"id":101910,"date":"2024-06-03T14:00:22","date_gmt":"2024-06-03T14:00:22","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/06\/03\/what-credit-score-do-you-need-for-the-amex-business-gold-card-the-points-guy\/"},"modified":"2024-06-03T14:00:22","modified_gmt":"2024-06-03T14:00:22","slug":"what-credit-score-do-you-need-for-the-amex-business-gold-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/06\/03\/what-credit-score-do-you-need-for-the-amex-business-gold-card-the-points-guy\/","title":{"rendered":"What credit score do you need for the Amex Business Gold Card? &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>American Express offers several of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">best business cards<\/a> on the market. One of these cards is the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Business Gold Card<\/a><\/span>, which offers diverse business-focused 4 points per dollar on select bonus categories.<\/p>\n<p>However, you may doubt whether you can get approved for the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-business-gold-card-review\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex Business Gold Card<\/a>. Specifically, you may wonder whether you are eligible for the card. And you may not be sure if your credit score is high enough. So today, we&#8217;ll take a closer look at these topics so you can decide whether to apply.<\/p>\n<p><a id=\"amex-business-gold-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Amex Business Gold overview<\/h2>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Gold Card<\/a><\/span> caters to small businesses with select types of business expenses. After all, the Amex Business Gold Card offers 4 <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-american-express-membership-rewards-maximum-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">Membership Rewards points<\/a> per dollar (up to $150,000 per calendar year; 1 point thereafter) on the two categories where your business spent the most each billing cycle from the following list:<\/p>\n<ul>\n<li>U.S. purchases for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/advertising\/\" rel=\"noopener noreferrer\" target=\"_blank\">advertising in select media<\/a> (online, TV, radio)<\/li>\n<li>U.S. purchases at <a href=\"https:\/\/thepointsguy.com\/credit-cards\/gas\/\" rel=\"noopener noreferrer\" target=\"_blank\">gas stations<\/a><\/li>\n<li>U.S. purchases made directly from electronic goods retailers and software &amp; cloud system providers<\/li>\n<li>U.S. purchases at <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener noreferrer\" target=\"_blank\">restaurants<\/a>, including takeout and delivery<\/li>\n<li>Transit (including trains, taxicabs, ride-hailing services, ferries, tolls, parking, buses, and subways)<\/li>\n<li>Monthly wireless telephone service charges directly from a wireless telephone service provider in the U.S.<\/li>\n<\/ul>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/American-Express-Business-Gold-American-Express-Business-Rose-Gold_CCHH_2024-1.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>You&#8217;ll only earn 4 points per dollar on the first $150,000 in purchases in the combined categories each calendar year (1 point per dollar thereafter). Therefore, by earning 4 points per dollar on $150,000 of spending each year, you&#8217;ll receive 600,000 points for these purchases. Based on <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener noreferrer\" target=\"_blank\">TPG&#8217;s valuations<\/a>, 600,000 Membership Rewards points are worth $12,000.<\/p>\n<p>Even if you earn 4 points per dollar on significantly less spending each year, the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-business-gold-card-review\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex Business Gold Card<\/a> could still make sense. For example, a road warrior who uses the Amex Business Gold Card for all their domestic gas and restaurant purchases could quickly earn enough rewards to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/american-express-business-gold-worth-annual-fee\/\" rel=\"noopener\" target=\"_blank\">justify the card&#8217;s $375 annual fee<\/a> (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>).<\/p>\n<p>In short, the value you&#8217;ll get from the Amex Business Gold Card depends on the business expenses you incur and what other cards you carry in your wallet.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-business-gold-vs-amex-business-platinum\/\" rel=\"noopener noreferrer\" target=\"_blank\">Credit card showdown: Amex Business Gold vs. Amex Business Platinum<\/a><\/strong><\/p>\n<p><a id=\"what-credit-score-do-you-need-for-the-amex-business-gold-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">What credit score do you need for the Amex Business Gold Card?<\/h2>\n<p>There is no set credit score requirement for the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Gold Card<\/a><\/span>. However, successful applicants generally have a <a href=\"https:\/\/thepointsguy.com\/guide\/what-is-a-good-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">good consumer credit score<\/a> of 670 or higher.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p>The Amex Business Gold Card is a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">business card<\/a>. As such, Amex will check your <a href=\"https:\/\/thepointsguy.com\/guide\/how-credit-scores-work\/\" rel=\"noopener noreferrer\" target=\"_blank\">consumer credit score<\/a> as well as your business credit score. Not all businesses have a <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-build-business-credit\/\" rel=\"noopener noreferrer\" target=\"_blank\">business credit score<\/a>, though. In this case, Amex will base its decision on your consumer credit score and the details you provide about your business.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/credit-score-business-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">What credit score do you need for business credit cards?<\/a><\/strong><\/p>\n<p><a id=\"who-is-eligible-for-the-amex-business-gold-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Who is eligible for the Amex Business Gold welcome offer?<\/h2>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Gold Card<\/a><\/span> currently has a welcome offer of 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of card membership. Since <a href=\"https:\/\/thepointsguy.com\/guide\/amex-points-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex Membership Rewards points are worth 2 cents each<\/a>, this bonus is valued at $1,400.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">DAMIRCUDIC\/GETTY IMAGES<\/figcaption><\/figure>\n<p>However, not all applicants are eligible for this bonus. Specifically, under <a href=\"https:\/\/thepointsguy.com\/news\/amex-once-per-lifetime-restrictions\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex&#8217;s one-bonus-per-lifetime policy<\/a>, the welcome offer isn&#8217;t available to current or previous Amex Business Gold cardholders. Amex also notes in the welcome offer terms that it may &#8220;consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.&#8221;<\/p>\n<p>Luckily, Amex has a <a href=\"https:\/\/thepointsguy.com\/news\/amex-new-welcome-bonus-qualification-tool\/\" rel=\"noopener noreferrer\" target=\"_blank\">welcome bonus qualification tool<\/a> that will tell you after you apply if you aren&#8217;t eligible to earn the welcome bonus. You can opt to withdraw your application at this point, in which case Amex would perform a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\" rel=\"noopener noreferrer\" target=\"_blank\">hard pull on your credit<\/a>. So, if you don&#8217;t want the Amex Business Gold Card without its welcome offer, carefully read any messages that appear after submitting your application.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" target=\"_blank\" rel=\"noopener\">Who qualifies for a business credit card?<\/a><\/strong><\/p>\n<p><a id=\"how-to-check-your-credit-score\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">How to check your credit score<\/h2>\n<p>Before <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-applying-small-business-credit-cards\/\" rel=\"noopener noreferrer\" target=\"_blank\">applying for a small-business card<\/a>, you&#8217;ll want to check your <a href=\"https:\/\/thepointsguy.com\/guide\/how-credit-scores-work\/\" rel=\"noopener noreferrer\" target=\"_blank\">credit score<\/a>. Luckily, there are many ways to <a href=\"https:\/\/thepointsguy.com\/guide\/check-credit-score-for-free\/\" rel=\"noopener noreferrer\" target=\"_blank\">check your credit score for free<\/a>.<\/p>\n<p>For example, you can pull your Experian FICO Score 8 for free by logging in to <a href=\"https:\/\/www.freecreditscore.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Experian&#8217;s FreeCreditScore website<\/a> every 30 days. Likewise, you can check your TransUnion VantageScore 3.0 for free each week using <a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/free-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex&#8217;s MyCredit Guide<\/a>.<\/p>\n<p>You can also <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-check-business-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">check your business credit score<\/a>. But, unlike consumer credit scores, you&#8217;ll usually need to pay to do so.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-does-applying-for-new-credit-card-affect-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">How does applying for a new credit card affect my credit score?<\/a><\/strong><\/p>\n<p><a id=\"factors-that-affect-your-credit-score\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Factors that affect your credit score<\/h2>\n<p>Your <a href=\"https:\/\/thepointsguy.com\/guide\/how-credit-scores-work\/\" rel=\"noopener noreferrer\" target=\"_blank\">credit score<\/a> isn&#8217;t just one number. Instead, your credit score at any given time may vary based on the calculation method (such as FICO Score 8 and VantageScore 3.0) and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/three-major-credit-reporting-agencies\/\" rel=\"noopener noreferrer\" target=\"_blank\">credit reporting agency<\/a> (such as TransUnion and Experian). The exact calculation methods aren&#8217;t publicly available. But FICO says that a FICO Score consists of the following:<\/p>\n<ul>\n<li>Payment history (35%)<\/li>\n<li>Amounts owed (30%)<\/li>\n<li>Length of credit history (15%)<\/li>\n<li>New credit (10%)<\/li>\n<li>Credit mix (10%)<\/li>\n<\/ul>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.640625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2017\/02\/woman-computer-bank-statements.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">HERO IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>If you want to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-improve-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">improve your credit score<\/a>, it&#8217;s essential to understand <a href=\"https:\/\/thepointsguy.com\/news\/biggest-factors-that-impact-your-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">what factors affect your credit score<\/a>. Your credit score will usually improve as you <a href=\"https:\/\/thepointsguy.com\/news\/ways-to-pay-off-credit-card-debt\/\" rel=\"noopener noreferrer\" target=\"_blank\">pay off debt<\/a> and learn how to <a href=\"https:\/\/thepointsguy.com\/news\/biggest-factors-that-impact-your-credit-score\/\" rel=\"noopener noreferrer\" target=\"_blank\">pay your credit card bills the right way<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/boost-credit-score-in-30-days\/\" rel=\"noopener noreferrer\" target=\"_blank\">3 real ways to boost your credit score in 30 days<\/a><\/strong><\/p>\n<p><a id=\"what-to-do-if-you-get-rejected\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">What to do if you get rejected<\/h2>\n<p>If you apply for the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Gold Card<\/a><\/span>, Amex may reject your application. Even with <a href=\"https:\/\/thepointsguy.com\/guide\/cards-that-require-excellent-credit-scores\/\" rel=\"noopener noreferrer\" target=\"_blank\">excellent credit<\/a>, other factors may lead Amex to <a href=\"https:\/\/thepointsguy.com\/news\/credit-card-application-denied\/\" rel=\"noopener noreferrer\" target=\"_blank\">deny your card application<\/a>.<\/p>\n<p>If Amex rejects your application, you&#8217;ll receive a letter stating Amex&#8217;s reasons for the rejection. TPG contributor Ethan Steinberg uses each of his <a href=\"https:\/\/thepointsguy.com\/guide\/what-i-learned-from-each-of-my-rejected-credit-card-applications\/\" rel=\"noopener noreferrer\" target=\"_blank\">rejected credit card applications as a learning experience<\/a>. After all, it&#8217;s possible to <a href=\"https:\/\/thepointsguy.com\/2018\/01\/new-years-resolution-improve-credit\/\" rel=\"noopener noreferrer\" target=\"_blank\">improve your credit portfolio<\/a> and then apply for another card (or the same card). However, Amex recommends waiting at least 30 days before applying for another Amex card.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Man-on-telephone-while-looking-at-computer-and-holding-credit-card-at-home-office_-Rob-Lewine.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">ROB LEWINE\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Alternatively, if you have information that might cause Amex to change its decision regarding your application, you can call Amex customer service at 1-800-567-1083 and ask Amex to review its decision. Best case, Amex may reverse its decision and approve you for the card. But even if Amex isn&#8217;t willing to change its decision, you may better understand why Amex <a href=\"https:\/\/thepointsguy.com\/news\/credit-card-application-denied\/\" rel=\"noopener noreferrer\" target=\"_blank\">denied your card application<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/your-guide-to-calling-a-credit-card-reconsideration-line\/\" rel=\"noopener noreferrer\" target=\"_blank\">Your guide to calling a credit card reconsideration line<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Amex Business Gold Card<\/a><\/span> offers 4 <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-amex-membership-rewards\/\" rel=\"noopener noreferrer\" target=\"_blank\">Membership Rewards points<\/a> per dollar on purchases in select categories (on up to $150,000 of eligible purchases each calendar year). As such, this card can be an excellent choice for small businesses that incur substantial expenses each billing cycle in one or two of the card&#8217;s categories.<\/p>\n<p>You <a href=\"https:\/\/thepointsguy.com\/news\/why-perfect-credit-score-isnt-necessary\/\" rel=\"noopener noreferrer\" target=\"_blank\">don&#8217;t need a perfect credit score<\/a> to get the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-business-gold-card-review\/\" rel=\"noopener noreferrer\" target=\"_blank\">Amex Business Gold Card<\/a>. A good credit score of 670 or higher may be enough for approval, especially if other business details indicate your application is relatively low risk.<\/p>\n<p>To learn more about the card, read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/reviews\/amex-business-gold-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Amex Business Gold<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-business-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express Business Gold Card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><em>For rates and fees of the Amex Business Gold Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/credit-score-amex-business-gold\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>American Express offers several of the best business cards on the market. One of these cards is the American Express\u00ae Business Gold Card, which offers diverse business-focused 4 points per dollar on select bonus categories. However, you may doubt whether you can get approved for the Amex Business Gold Card. Specifically, you may wonder whether [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":101911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-101910","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/101910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=101910"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/101910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/101911"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=101910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=101910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=101910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}