American Express® Business Gold Card Review

Terms apply to American Express. An American Express. Please visit an Americanxpress.com to learn more. The eligibility and the level of interest in the card varies. Conditions, conditions and restrictions apply. Please visit an Americanxpress.com/benefitsguide for more details. Written by Amex Assurance Company.

When you run a company, every dollar is important. It cannot help you get the right credit card only in paying bills, but it can come a long way to help you already. Preserve money.

As a business owner, you can qualify for cards that provide better rewards and privileges than most personal travel cards.

(And do not forget: Independents, and the sides of the side can qualify, and in fact anyone who has a little income on the side of the work cards as well. You do not need to be a limited liability company or you have official work !!

One of the cards I love is American Express® Business Gold. It is simple and direct, as it offers flexible bonus categories that actually coincide with your spending habits (something I hope there will be more cards), and it is especially good if you make a lot of paid ads online.

Here’s all you need to know about the American Express® Business Gold to see if this is suitable for you:

What is the American Express® Business Gold?

Gold commercial card It is an easy -to -use business card issued by America Express. Its best advantage is the ability to win 4x points in the first qualified categories where your business spends more than a month, from six qualified categories (more on those below).

I like this that keeps things simple, instead of submitting a laundry menu of statement credits to track them (although you are interested in a card you do, check my evaluation of the American Express Platinum Card).

As amex card, you will also get access to great customer service, AmeX offers and some travel protection.

Here is a quick look at some of the benefits that this card offers:

• Earn 100,000 organic rewards after spending $ 15,000 on qualified purchases with the golden work card in the first three months of the card membership
• Earn 4x membership rewards in the first qualified categories, where your business spends more than a month, from six qualified categories. Although two categories, the most important of which may change, will gain 4x points on the first $ 150,000 in joint purchases of these categories each evaluation year (then 1X). Only the upper categories, each billing cycle will be calculated about the maximum of $ 150,000
• Earn 3x membership rewards on flights and prepaid hotels reserved on amextravel.com using your business card
• Earn 1x on all other purchases
• Earn up to $ 20 in credit data per month for American offices qualified in FEDEX and Grubhub and office supply stores (up to $ 240 a year)
• Earn up to 12.95 dollars (in addition to the taxes in force on one membership fee) again every month after you pay the price of the Walmart+ monthly membership (taking into account the automatic renewal) with your work card (i.e. up to 155 dollars annually)
• There are no foreign transactions fees (See prices and fees))
• Warranty, purchase, and mobile phone protection*
• Secondary insurance for rental and cars*

The card comes with an annual fee of $ 375 (See rates and fees).

*Civilization and the level of interest varies by the card. Conditions, conditions and restrictions apply. Please visit an Americanxpress.com/benefitsguide for more details. Written by Amex Assurance Company.

Earn membership reward points

As I mentioned, the best advantage in this card is the ability to earn 4x in the two categories as your business spends more (on the first $ 150,000 of spending each year). It is important to understand that this does not include all spending categories, only these six qualified categories:

1. Purchase operations in American media providers to announce the selected media (online, television, radio)
2. Purchases in the United States are made of electronic retail dealers and service providers for programs and basis
3. American purchases in restaurants, including eating and delivery
4. American purchases at gas stations
5. Transit purchases including trains, taxis, Rideshare services, phrases, fees, parking lots, buses, and subway
6. Monthly wireless phone service fees that were conducted directly from the wireless phone service provider in the United States

The beautiful part of this benefit is that the best two categories can change from month to month, which reflects your work needs in the actual time. But one of the ways to increase this benefit to the maximum is that you can get 4x on ads online while most other cards offer the maximum of 3x. So, if you put all your ads online on this card and keep it as one of your higher groups, you can get more points for each dollar on ads more than any other card!

And don’t worry about tracking the most used groups. The card automatically set two categories of spending and prize points accordingly (you will see them 1X until your statement is closed, after which your supreme category will be determined and the points are granted).

For me, this is a huge feature because it keeps things simple. After all, as a business owner, you already have enough on your plate.

On the other hand, your usual work spending with these categories may not be in line with these categories. If this is the case, I recommend a work card that has an increase in the profit rate on the one you spend, or a card that earns more in all categories (you can check that I recommend in this post on my favorite work cards).

Using your membership points

With the Business Gold Card, you will get the Legmonship Rewards® Points, which you can transfer to any of the AmeX 21 airplane partners. Since Amex has a good set of travel partners, membership reward points are some of the most valuable points there.

These are the current travel partners in AmeX:

• Aer Lingus Aerclub (ratio 1: 1)
• Aeromexico rewards (1: 1.6 percent)
• Air Canada Aeroplan (1: 1)
• Air France-klm Flying Blue (1: 1 ratio)
• Ana Mileage Club (1: 1)
• Avianca Lifemiles (1: 1 ratio)
• British Airways Club (1: 1)
• Cathy Pacific Asia Miles (1: 1 ratio)
• Choice privileges (1: 1 ratio)
• Delta Square (1: 1 ratio)
• Emirates Sky (ratio 1: 1)
• Union guest (1: 1 ratio)
• Hawaiianmiles (1: 1 ratio)
• Hilton honors (1: 2 ratio)
• Iberia Plus (1: 1)
• Jetblue Trueblue (250: 200 percent)
• Marriott Bonvoy (1: 1 ratio)
• Qantas is a frequent bulletin (ratio 1: 1)
• Qatar Airways Persons Club (1: 1)
• Singapore Crofer (ratio 1: 1)
• Virgin Atlantic Flang Club (1: 1)

Most of the transport operations are immediate, although some can take up to 48 hours. Just remember to transfer the exact number of points you need to book your journey or hotel. Transport is in one direction only.

You can also use your membership rewards to book flights and hotels at the Amex Travel Gate. I would like to recommend it though. It is not a good value as moving your points to partners.

Up to $ 395 annually, flexible credit for buying business

The Business Gold provides credit for a statement in two categories, adding up to a potential annual savings of $ 395 annually (actually paid at the cost of the card).

First, you can earn up to $ 20 of statement credits every month after using the Golden Work Card for American purchases qualified in FEDEX, Grubhub stores and offices.

Second, you can earn up to $ 12.95 in a statement of statement every month after you pay the monthly Walmart+ membership (taking into account automatic renewal) with your work card. (Up to $ 12.95 in addition to the applicable taxes. In addition to UPS, it is not eligible.)

I find these statement credits a little random, and it is not the most useful if you have a business online like me. I usually have the maximum GRUBHUB credits though!

Access to AmeX offers

Gold commercial card He also has access to AmeX offers, which is a constantly variable list of deals where you can save money or earn bonus points with chosen retailers. The offers are targeted, so each holder has a unique set of offers at any time. For these offers, you must add it to your card before a purchase (or you will not get the deal).

It is usually organized as “x spending, and you get a statement of Y Cathor Bayan” although sometimes it will provide bonus points or a percentage. Although you may not be able to take advantage of most of the offers, the more you can, the more compensation for the annual card fees.

New offers are added with the expiration of old offers, so it is worth checking out often so that you can add any offers to your card that you may use.

Who is the golden work card?

The Business Gold Card is the best for business owners who have regular spending in the six categories where you can earn 4X points. This card is particularly ideal for businessmen who do not want to worry about the categories of deliberations circulating or pre -identified. All you have to do is use it to spend your regular business and you will get your points.

As with any card, if you bear a balance – or you think you may – you should not get this. Travel cards like this come at high interest rates, and the rewards you gain will not be compensated for what you will lose in interest fees. Trust me, there is no number of points worth going into debt!

This card is also not for anyone with weak credit, as you need excellent credit to qualify. (If this is you, check the best credit cards to improve your degrees.)

The American Express Business Gold is one of my favorite business cards. The ability to earn 4X points automatically in the first spending categories every month keeps things simple and helps you increase points quickly. More points are equal to more trips.

Although it is not cheerful as its distinguished counterpart in the field of platinum business, I love keeping the gold in my wallet because it works hard behind the scenes. If you are looking for a strong work card that works hard as you do, this deserves a closer look.

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