{"id":45307,"date":"2023-10-12T17:00:57","date_gmt":"2023-10-12T17:00:57","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/10\/12\/is-the-amex-express-business-gold-card-worth-the-annual-fee-the-points-guy\/"},"modified":"2023-10-12T17:00:57","modified_gmt":"2023-10-12T17:00:57","slug":"is-the-amex-express-business-gold-card-worth-the-annual-fee-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/10\/12\/is-the-amex-express-business-gold-card-worth-the-annual-fee-the-points-guy\/","title":{"rendered":"Is the Amex Express Business Gold card worth the annual fee? &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Small businesses need to constantly reevaluate their expenses and spending habits to ensure they can stay in business. And just like you check whether you can get your products at a lower price from another supplier, you should consider whether the credit card \u2014 or cards \u2014 you&#8217;re using for business expenses get the best return possible on your purchases.<\/p>\n<p>Another key consideration is whether a small-business credit card you&#8217;re using is worth its annual fee. Are you getting perks and benefits that justify this fee? Is it worth paying the card&#8217;s annual fee to earn the bonus points it provides on your business expenses? Or would you be better served with another credit card?<\/p>\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\">American Express\u00ae Business Gold Card<\/a><\/span> has <a href=\"https:\/\/thepointsguy.com\/news\/amex-business-gold-2023-changes\/\" rel=\"noopener\" target=\"_blank\">recently undergone a refresh<\/a>, including some changes to its bonus categories and benefits. The current $295 annual fee (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) is going up to $375 on Feb. 1, 2024, so let&#8217;s consider whether this card&#8217;s earning potential and benefits make that fee worth paying.<\/p>\n<p><a id=\"welcome-bonus\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Welcome bonus<\/h2>\n<p>New applicants for the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-business-gold-card\/\" rel=\"noopener\" target=\"_blank\">Amex Business Gold card<\/a> can earn 70,000 bonus <a href=\"https:\/\/thepointsguy.com\/points-program\/american-express-membership-rewards\/\" rel=\"noopener\" target=\"_blank\">Membership Rewards points<\/a> after spending $10,000 on purchases within the first three months of card membership.<\/p>\n<figure class=\"jsx-4252866712 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%\"\/><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\/2018\/06\/yosemite-airshot.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/06\/yosemite-airshot.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">SPONDYLOLITHESIS\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Membership Rewards points are worth 2 cents apiece, according to <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">our latest valuations<\/a>. That makes this bonus worth $1,400, providing a solid 14% return on spending during the welcome offer period.<\/p>\n<p>For the first year, this bonus completely cover&#8217;s the card&#8217;s annual fee \u2014 though starting in year two, you&#8217;ll need to crunch the numbers to decide if it&#8217;s still worth it.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-american-express-membership-rewards-maximum-value\/\" rel=\"noopener\" target=\"_blank\">How to redeem American Express Membership Rewards for maximum value<\/a><\/strong><\/p>\n<p><a id=\"adaptive-bonus-earnings\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Adaptive bonus earnings<\/h2>\n<p>Many credit cards offer set bonus categories and then allow you to earn extra rewards on purchases at those merchants \u2014 but you&#8217;re often forced into those categories. In contrast, 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<\/a><\/span> card provides bonus earnings that adjust monthly, so you can earn additional points where you&#8217;re spending the most.<\/p>\n<p>Cardmembers earn 4 points per dollar in the two categories where they spend the most each billing cycle. This applies to the first $150,000 of combined purchases in bonus categories each year (then 1 point per dollar thereafter). The available bonus categories include:<\/p>\n<div class=\"&#10;        EmailSignUp_container__70lh2&#10;        undefined&#10;        EmailSignUp_isLoading__zGkU5&#10;      \"><picture><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__cnneL\">\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<ul>\n<li>Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways<\/li>\n<li>U.S. purchases from electronic goods retailers and software &amp; cloud system providers<\/li>\n<li>U.S. monthly wireless telephone service charges made directly from a wireless telephone service provider<\/li>\n<li>U.S. purchases at gas stations<\/li>\n<li>U.S. purchases at restaurants, including takeout and delivery<\/li>\n<li>U.S. purchases for advertising in select media (online, TV or radio)<\/li>\n<\/ul>\n<p>Beyond the top two spending categories from this list, cardholders earn 3 points per dollar on flights and prepaid hotels booked through Amex Travel or AmexTravel.com as well as 1 point per dollar on all other purchases.<\/p>\n<p>If you&#8217;re able to earn bonus points on the full $150,000 of spending in these available bonus categories, you&#8217;ll earn a staggering 600,000 bonus points each year \u2014 worth $12,000 according to <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">our valuations<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/credit-score-amex-business-gold\/\" rel=\"noopener\" target=\"_blank\">What credit score do you need for the Amex Business Gold Card?<\/a><\/strong><\/p>\n<p><a id=\"statement-credits\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Statement credits<\/h2>\n<p>The most significant change to 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<\/a><\/span> includes the addition of statement credits. Cardholders can now take advantage of up to $395 in credits each year:<\/p>\n<ul>\n<li>Up to $240 back annually (up to $20 back per month) for eligible purchases at FedEx, Grubhub and office supply stores<\/li>\n<li>Up to $155 back annually for a monthly Walmart+ membership (subject to auto-renewal)<\/li>\n<\/ul>\n<p>If you can take full advantage of these statement credits, you&#8217;ll more than make up for the increased annual fee cost with this benefit alone.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/walmart-plus-amex-platinum\/\" rel=\"noopener\" target=\"_blank\">A guide to the Amex Walmart+ benefit<\/a><\/strong><\/p>\n<p><a id=\"small-business-perks\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Small-business perks<\/h2>\n<p><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<\/a><\/span> primary cardholders can access several business-related benefits. These perks include year-end summaries, auto-expense categorization in Intuit QuickBooks and bill-pay services with Vendor Pay by Bill.com. This feature is free for the first user and offers six free months for the second user, then $15 per month for the second user. Enrollment is required in advance for this benefit.<\/p>\n<figure class=\"jsx-4252866712 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\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/small-business-food-truck-owners-preparing-food_Maskot.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">MASKOT\/GETTY IMAGES<\/figcaption><\/figure>\n<p>The primary card member can also add employee cards to the Amex Business Gold, up to 99 total additional cards. However, the fees associated with this depends on the type of additional card(s) you add as well as when you opened your Amex Business Gold account:<\/p>\n<div class=\"jsx-3709662331 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3709662331\">\n<table class=\"jsx-3709662331\">\n<thead class=\"jsx-3709662331\">\n<tr class=\"jsx-3709662331\">\n<th class=\"jsx-3709662331\"><strong>When you opened your card<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Additional Business Gold Card<\/strong><\/th>\n<th class=\"jsx-3709662331\"><strong>Additional Business Expense Card<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3709662331\">\n<tr class=\"jsx-3709662331\">\n<td>Prior to Feb. 1, 2023<\/td>\n<td>$95 for up to five cards; $95 for each additional card after that, beginning on the first renewal after being notified of this new fee structure (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>No annual fee<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td>Between Feb. 1, 2023 and Jan. 31, 2024<\/td>\n<td>$50 for the first card; no additional fee for each additional card after that (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>No annual fee<\/td>\n<\/tr>\n<tr class=\"jsx-3709662331\">\n<td>After Jan. 31, 2024<\/td>\n<td>$95 for up to five cards; $95 for each additional card after that (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>No annual fee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p>There&#8217;s no real difference between the two other than being able to select between the Gold and Rose Gold version. As a result, most small business owners should opt for the additional business expense card.<\/p>\n<p>Regardless of which one you choose, these cards will help the primary account holder earn rewards on employee spending while also controlling and limiting employee spending as needed. In fact, you can also designate other people as account managers to handle many of these features.<\/p>\n<p>The Amex Business Gold card is not a traditional credit card but instead comes with <a href=\"https:\/\/thepointsguy.com\/guide\/best-credit-cards-no-preset-spending-limits\/\" rel=\"noopener\" target=\"_blank\">no preset spending limit<\/a>. This means that the amount you can spend on the card will vary based on things like creditworthiness, payment history and your relationship with American Express. Additionally, you may be eligible to enroll in <a href=\"https:\/\/thepointsguy.com\/guide\/your-ultimate-guide-to-amex-pay-over-time\/\" rel=\"noopener\" target=\"_blank\">Pay Over Time<\/a> on your card, and Amex sometimes sends out targeted offers of <a href=\"https:\/\/thepointsguy.com\/guide\/amex-pay-over-time-enrollment-bonus\/\" rel=\"noopener\" target=\"_blank\">bonus points to enroll in this feature<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/lesser-known-perks-amex-business-gold\/\" rel=\"noopener\" target=\"_blank\">6 lesser-known perks of the Amex Business Gold Card<\/a><\/strong><\/p>\n<p><a id=\"additional-perks-and-protections\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Additional perks and protections<\/h2>\n<figure class=\"jsx-4252866712 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:66.66666666666666%\"\/><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\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/08\/IMG-SmallBusinessPersonal.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">HERO IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Amex Business Gold cardholders enjoy a number of additional perks and protections, including:<\/p>\n<ul>\n<li><strong>Access to The Hotel Collection:<\/strong> The primary cardmember has access to <a href=\"https:\/\/thepointsguy.com\/guide\/hotel-collection-amex-gold\/\" rel=\"noopener\" target=\"_blank\">The Hotel Collection<\/a> bookings with Amex Travel. While a two-night minimum is imposed on these bookings, you can receive perks like a $100 on-property credit for things like dining, spa or resort activities and room upgrades at check-in (when available).<\/li>\n<li><strong>Access to Amex Offers: <\/strong>Cardmembers have access to <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-to-amex-offers\/\" rel=\"noopener\" target=\"_blank\">Amex Offers<\/a>, which can provide savings or bonus points on qualifying purchases for targeted cardholders.<\/li>\n<li><strong>Travel protections: <\/strong>Cardmembers enjoy multiple travel protections, including baggage insurance,* trip delay insurance** and car rental insurance.***<\/li>\n<li><strong>Cellphone protection: <\/strong>Cardmembers can be reimbursed for the cost to repair or replace their stolen or damaged cellphone up to $800 per claim for up to two approved claims per year (with a $50 deductible for each claim).**<\/li>\n<li><strong>Extended warranty: <\/strong>Eligible warranties of five years or less can be extended by one year.*<\/li>\n<li><strong>Purchase protection: <\/strong>Eligible purchases are covered for up to 90 days from the covered purchase date if it is stolen or damaged (limited up to $1,000 per occurrence, up to $50,000 per account each calendar year).*<\/li>\n<\/ul>\n<p>It&#8217;s difficult to quantify the specific value of these benefits, but the protections alone will provide you with invaluable peace of mind.<\/p>\n<p><em>*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.<\/em><\/p>\n<p><em>**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.<\/em><\/p>\n<p><em>***Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.<\/em><\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/american-express-shopping-protections\/\" rel=\"noopener\" target=\"_blank\">Your complete guide to shopping protections on American Express cards<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Bottom line<\/h2>\n<p>If you&#8217;re able to maximize its bonus categories and statement credits, the Amex Business Gold will provide value for your business that far exceeds its annual fee. However, if you aren&#8217;t able to utilize the statement credits or want additional travel-specific benefits, you&#8217;ll likely get better value from a different card.<\/p>\n<p>For more details, please see 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<p><strong>Official application link: <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> with a welcome bonus of 70,000 bonus points after spending $10,000 on purchases within the first three months of card membership.<\/strong><\/p>\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\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/american-express-business-gold-worth-annual-fee\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Small businesses need to constantly reevaluate their expenses and spending habits to ensure they can stay in business. And just like you check whether you can get your products at a lower price from another supplier, you should consider whether the credit card \u2014 or cards \u2014 you&#8217;re using for business expenses get the best [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-45307","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\/45307","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=45307"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/45307\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/45308"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=45307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=45307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=45307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}