Overall card rating3.5 Show
from Credit Karma members Most helpful positive reviewGas stationCredit Karma Member I apply for American Express Most helpful negative reviewThey charge you manual fee without using a card!!!Credit Karma Member It’s said no limit of usage but felt so embarrassed when I purchased the item and I couldn’t get it!!! Member ratingsAll member reviews (12)5 stars 8 4 stars 0 3 stars 0 2 stars 1 1 stars 3 Credit Karma Member The Amex gold card pay it’s yearly fee with Uber Eat and Grubhub money (10$/month each). Then you get 4X on restaurants and groceries and that around the best you are going to get from any card in term of earning rates and for many people also on of their biggest monthly budget. So if you use food delivery and go to supermarket (like Aldi, whole food. Trader joe…) rather than Costco/target/Walmart this card is a keeper. Credit Karma Member It’s said no limit of usage but felt so embarrassed when I purchased the item and I couldn’t get it!!! Credit Karma Member I apply for American Express Credit Karma Member Because this good for Credit Credit Karma Member The annual fee does not matter, you are practically only spending $30/month on the fee because of $100 annual fee credit and $120 dining credit ($10/month) for a list of places. Amazing card with GREAT perks! Customer service and app management beats any, don't think twice ! Credit Karma Member I've had this card for going on almost two years, never had an issue with it, the balance is paid every month, not sure it has helped my credit score too much but either way I keep it for the convenience. Credit Karma Member Amex sent me an offer through my Blue Magnet Card. I applied and got approved with "Pay Over Time Limit of $15,000 and only $250 Annuel Fee and Not $295. I look forward to taking advantage of those sweet points and benefits. Credit Karma Member Generous sign-up bonus. Exclusive perks. No pre-set spending limit. Outstanding customer service. This card is a great business card for those who don't need the perks of the Platinum. Savvy business owners should be aware of the terms and conditions of this card. If you want to carry balances, this card is not for you. If you want to try to game the system, this is not for you. Remember that this is a business charge card, and cardmembers are held to different standards than
those for personal cards. Use this card as intended, plan a strategy for maximum points, and reap the benefits of a seasoned relationship with AmEx. Credit Karma Member I called American Express to ask if i could make a charge of certain amount, and i simply got transferred 6 times and the call took about an half hour to simply get this answered? ? I have other cards from Chase and this question would take them less than a minute to answer? ? Best regards Simon? Credit Karma Member I'm sure individual cases are varies, just like some of the other reviewer's experiences are, however my experience has been nothing but good with Amex, every time I want to charge some large amount, I always check first ( a day before, not longer than that ) and always got approved and the transaction always went smoothly, one of the larger purchase I used is a down payment for a car at a dealership and it went through no problem, paid it off at the end of the month and rack
the points up, well worth the annual fees. See Approval Odds before you applyWe’ll estimate your chances of approval based on your credit profile. Join today — it’s free! You’ll also get: Sign up
MoneyGeek’s Take Featuring a lucrative rewards system and plenty of business perks, the American Express® Business Gold Card is perfect for entrepreneurs and business owners who want to make the most out of their business expenses. Advertising & Editorial DisclosureLast Updated: 11/12/2022 Last Updated: 11/12/2022 On This Page The American Express® Business Gold Card offers one of the best and most flexible rewards systems for business owners, even with the $295 annual fee. Out of six bonus categories, you can earn 4X Membership Rewards points per $1 spent in the two categories where your business spends the most. This applies to the first $150,000 spent per calendar year and can adjust every billing cycle, giving you the flexibility to earn in different categories over time. On all other purchases, you earn one point per $1.  American Express® Business Gold Card at a GlanceBest suited for high-spending business owners, the Business Gold Card from American Express lets you maximize your purchases and benefit from a generous welcome bonus.
Pros & Cons ExplainedThe American Express® Business Gold Card benefits can be valuable for business owners who spend a lot in any of the six bonus categories. However, there are areas where the card could improve that are worth noting. Pros
Cons
LOOKING FOR THE BEST CREDIT CARDS OF 2022? The benefits of the American Express® Business Gold Card earned it a place in our best travel cards list. Take a look at other cards suited for travel to see if they are preferable for your spending habits. Bonuses & Rewards ExplainedThe American Express® Business Gold Card is loaded with a bonus rewards system and perks suited for business owners with significant expenses or frequent flyers. 1 Welcome BonusEarn 90,000 points if you spend $10,000 within the first three months upon account opening. 2 Dynamic Rewards StructureThe Business Gold Card from American Express has six categories where you can earn 4X points from any two you spend the most on. Categories include airfare purchased directly from the airline, gas stations, restaurants, advertising in select media, shipping and services from select technology providers. This is up to a limit of $150,000 per calendar year, then all remaining purchases get 1X in points. All other purchases outside of the bonus categories also get 1x points. 3 Amex TravelYou can offset travel costs by booking through the Amex Travel portal. Using your points through the Pay With Points feature grants you 1.25¢ per point (which includes a 25% bonus) for all flights on a single carrier of your choosing. The 25% points rebate can still apply to other carriers, but only for business and first-class tickets. 4 The Hotel CollectionGet access to the Amex Hotel Collection. This gives you $100 in room credit and an upgrade (if available) if you’re staying at a partner hotel for more than two nights and booked it through American Express Travel. Other Features ExplainedThere are more American Express® Business Gold Card benefits beyond its unique rewards structure. These other features work behind the scenes to provide you with an overall great experience.
MONEYGEEK EXPERT TIP "The Hotel Collection is an underutilized benefit that has the potential for incredible travel redemptions and upgrades in luxury hotels around the world. Be sure to take advantage of this benefit on the Amex Business Gold Card." — Alene Laney, Credit Card Journalist Understanding the Fine PrintGiven the hefty annual fee, it’s important to understand all the fees involved with the American Express Business Gold Card.
WHERE TO FIND THIS INFORMATION? Business owners who want to compare the American Express® Business Gold Card against other business cards should take a look at the rewards rate and the additional perks included. Look at how many points you can earn per dollar and try to maximize your points according to your financial spending habits. You can find this information on the card issuer’s website or the credit card agreement database maintained by the Consumer Financial Protection Bureau. Who Should & Shouldn’t Consider American Express® Business Gold Card?Loading... Loading... Other Considerations for American Express® Business Gold CardThe benefits of the Business Gold Card are best for business owners who spend significantly in at least one of the six categories. Ultimately, however, your financial situation and habits will dictate whether or not this card is right for you. Things to Consider if This Will Be Your First or Only Credit CardWhile the Business Gold Card’s rewards are appealing, qualifying for it can be difficult. Applicants must have a credit score above 660 to have a chance at approval. Not to mention, the high annual fee makes it vital for cardholders to offset costs by taking advantage of the rewards system. This can be difficult for small business owners who don’t have significant costs, as you must spend at least $2,000 per month in any of the bonus categories to benefit from the card. Things to Consider if This Will Be an Additional Card in Your WalletIt’s important to keep in mind the card’s high annual fee when deciding if the Business Gold Card will be an addition to the cards in your business wallet. Ensure that you can reap the rewards and balance the costs between cards as much as possible. Otherwise, you may be better off with a rewards card that has no annual fees. WHY TRUST OUR REVIEWS MoneyGeek’s American Express® Business Gold Card review follows a six-step process used in all our credit card reviews. This involves gathering all the information on the card and standardizing data points to make it easier for comparison. We then estimate average spending profiles and factor in any introductory or welcome bonuses, all of which lets us establish the three-year value of the card. Monthly re-rankings are conducted in order to factor in any new offers or bonuses. How American Express® Business Gold Card Compares to Other CardsThe Business Gold Card from American Express holds its own given its dynamic rewards structure. However, those looking for more travel perks may find that other cards have better payouts. When it comes down to it, how this card compares against others will depend on the financial situation and needs of each business. In-Depth Credit Card Comparisons:
Quick Comparison of American Express® Business Gold Card American Express® Business Gold Card
American Express Blue Business Plus Credit Card
Other Helpful Decision-Making Q&AsThe American Express® Business Gold Card benefits are appealing — but this card isn’t for everyone. Below are a few frequently asked questions that can help business owners determine whether this card is for them. Learn more about credit cards in generalExplore Topics Find Your Best sources
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available. Does Amex business card have credit limit?If you are approved for the Amex Business Gold card you will not receive a set credit limit.
What is the highest credit limit for American Express Gold Card?Delta SkyMiles® Gold American Express Card
Highest reported credit limit: $50,000, according to a post on the myFICO forums.
How do I know my credit limit on Amex Gold?You can find your credit limit in your online American Express account. Once you log in to your account, choose the card you want by clicking on the credit card icon in the upper right corner of your screen. Then you will be able to see your available credit limit in the Home section of your credit card account.
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American express business gold card credit limit
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