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The American Express® Business Gold Card is receiving an upgrade with more ways to earn up to 4x Membership Rewards® on purchases. Cardholders will also enjoy a couple of business-related benefits that can help save money on qualifying purchases. Here’s what to know about the new Business Gold benefits.

Learn more: American Express® Business Gold Card

new business gold benefits
New Business Gold benefits include more reward categories, including U.S. restaurants. Garland Hotel breakfast. Credit: Johnny Jet

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more.

New Business Gold Benefits: Additional Rewards Categories

You can now earn 4x Membership Rewards® points on the two categories where your business spends the most each billing cycle, from six eligible categories. While your top two categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top two categories in each billing cycle will count towards the $150,000 cap.

Here are the six eligible categories:

  • U.S. purchases at electronic goods retailers and software & cloud system providers (New!)
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. (New!)
  • Transit purchases including trains, taxicabs, rideshares, ferries, tolls, parking, buses, and subways
  • Purchases at U.S. media providers for advertising in select media (online, TV, and radio)
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery

Additionally, American Express Travel purchases through will now earn 3x points per $1.

All remaining purchases earn 1x point per $1.

“The refreshed Business Gold Card helps our Card Members spend more time on what’s important, running their business,” says Anna Marrs, Group President of Global Commercial Services and Credit & Fraud Risk at American Express. “Whether they’re making purchases for business needs like advertising, wireless bills, technology expenses, or on office supplies, to booking travel and dining with clients, the refreshed Business Gold Card will help small businesses unlock value.”

Your points are most valuable when redeemed for award flights. Additionally, you will receive 25% of your points back (up to 250,000 bonus points per calendar year) on qualifying first-class and business-class award flights.

Related: American Express Business Gold Card Review: 4x Points & More

New Business Statement Credits

These qualifying expenses are eligible for card statement credits when using the Business Gold Card:

  • $240 flexible statement credit: Up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required.
  • Walmart+ membership credit: Receive a statement credit that covers the full cost each month, valued at $155 annually (subject to auto-renewal).

In addition to these new Business Gold benefits, you can continue receiving up to $100 in experience credits to spend on qualifying dining, spa, and resort activities when you book hotel stays through The Hotel Collection from American Express and stay at least two consecutive nights. Note that the credit varies by property.

Related: How Hard is it to Get the American Express Business Gold Card?

Rose Gold Card Design

While this isn’t exactly a new Business Gold benefit, it is a nice touch that gives cardholders more options. Previously only available for the consumer American Express® Gold Card, business customers can now request the Rose Gold card design in addition to the classic Gold design.

Related: The Best American Express Business Cards

Cell Phone Protection

In addition to earning up to 4x Membership Rewards per $1 on cell phone bills, your qualified devices can be eligible for up to $800 per claim in cell phone protection.

You may be reimbursed the lesser of your repair or replacement costs following damage or theft for a maximum of $800 per claim when the cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid with an eligible card account.

However, a $50 deductible applies to each claim. Additionally, there is a limit to two approved claims per 12-month period. Additional terms and conditions apply.

Related: 7 Best Business Credit Cards for Cell Phones

Annual Fee Increase

Now, there is one bit of bad news for long-time Business Gold members. The annual fee increased to $375 on February 1, 2024 (See Rates & Fees). There is a $0 foreign transaction fee (See Rates & Fees).

Additional employee cards continue to be free. You can add up to 99 to your account.

These new benefits will make it easier to earn bonus points from your business spending and save money in the process. Getting the Rose Gold design in a metal credit card is also nifty.

Pop-Up Experiences

Small business owners and their guests can enjoy the upgraded Business Gold benefits with pop-up experiences in the greater New York City area on November 2 and 3, 2023.

This promotion is in addition to Amex Member Week which is taking place from October 9-13, 2023. Special discounts and member-only benefits are available during this time.

Summary of the New Business Gold Benefits

The new Business Gold benefits include additional rewards categories and business statement credits that help make the American Express® Business Gold Card more appealing to a broader base of industries. It’s a great way to accumulate points that you can redeem for award flights and enjoy other luxury travel benefits with a reasonable annual fee.

Learn more: American Express® Business Gold Card

For rates and fees of the American Express® Business Gold Card, please click here.

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