BIG CHANGES: Amex Business Gold Card Worth $375?! (Full Review)

The Amex Business Gold Card has CHANGED in a BIG way! Learn about the new annual fee, rewards structure, and benefits to determine if you should apply! Click “Show More” to see Ad Disclosure, links, and additional information below.

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WELCOME OFFER (Oct. 2023)
You can earn 70,000 Amex Membership Rewards points after spending $10K on purchases in the first 3 months. Value = $700+ towards flights. Note that higher offers may be available on a targeted basis.

ANNUAL FEE = $375 (starting 2.01.2023) | $295 (thru 1.31.2024)

EARN AMEX POINTS
- 4X Top 2 Spend Categories* Each Billing Cycle (Up to $150K/yr.)
- 3X Flights
- 3X Prepaid Hotels via AmexTravel.com
- 3X Prepaid Hotel + Flight Packages via AmexTravel.com
- 1X Other Purchases

* ELIGIBLE 4X POINT CATEGORIES
1. Transit: Incl. trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
2. U.S. Gas Stations
3. U.S. Restaurants, incl. takeout & delivery.
4. U.S. Media Providers for Advertising (online, TV, radio)
5. U.S. Electronic Goods Providers and Software & Cloud System Providers
6. U.S. Wireless Phone Providers
- Learn more about Amex rewards categories here: https://www.americanexpress.com/us/rewards-info/business.html

REDEEM AMEX POINTS
- Travel (Transfer Partners): 1.7¢ per point, avg.
- Travel (Amex Portal): 0.7¢ per point for Hotels, Car Rentals, Cruises and Vacations. 1.0¢ per point for Flights.
- Cash Back (Statement Credit): 0.6¢ per point

Amex Transfer Partners (As of Oct. 2023)
Airlines
- Aer Lingus AerClub
- Aeromexico Club Premier
- Air Canada Aeroplan
- Air France KLM Flying Blue
- ANA Mileage Club
- Avianca LifeMiles
- British Airways Executive Club
- Cathay Pacific Asia Miles
- Delta Air Lines SkyMiles
- Emirates Skywards
- Etihad Guest
- Hawaiian Airlines HawaiianMiles
- Iberia Plus
- JetBlue TrueBlue
- Qantas Frequent Flier
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- Virgin Atlantic Flying Club
Hotels
- Choice Privileges
- Hilton Honors
- Marriott Bonvoy

AMEX BUSINESS GOLD CARD BENEFITS

- $240 Flexible Business Credit: Issued as up to $20/mo. in statement credits for purchases at FedEx, Grubhub, and office supply stores
- $155 Walmart+ Credit: Issued as $12.95 + taxes per month as a statement credit for monthly Walmart+ memberships
- 25% Airline Bonus (ending 1.31.2024)
- The Hotel Collection
- Connect to QuickBooks
- Vendor Pay by Bill.com
- Amex Pay Over Time
- No Preset Spending Limit
- Add Employee Cards (Starting 2.01.2023, the cost is $95 for up to the first 5, then $95 each)
- No Foreign Transaction Fees

INSURANCE AND PROTECTIONS
- Baggage Insurance Plan
- Trip Delay Insurance
- Car Rental Loss and Damage Insurance
- Purchase Protection
- Extended Warranty
- Cell Phone Protection

IS IT WORTH IT?

YES if you…
- Have high monthly spend / operating costs.
- Own a business that spends in the eligible 4X categories: Gas, transit, restaurants, advertising, electronics / software / cloud, wireless phone // EXAMPLES: Attorneys, Plumbers, HVAC, Chiropractors, Dentists, Massage Therapists, Yoga Studios, Acupuncturists, Restaurant Owners, Commercial Truck Drivers, Uber / Lyft Contractors, Marketing Agencies, Tech Companies, etc.
- Prefer travel rewards over cash back.
- Want strong insurance protections.

NO if you…
- Don’t have high monthly spend.
- Would spend mostly in the 1X categories.
- Prefer cash back over travel rewards.
- Need time to float balances at low cost while waiting for invoice payments.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com, YourBestCreditCards.com, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#amex #americanexpress #businesscredit