American Express Business Gold
Amex Membership Rewards1.5¢ – 4.0¢
$199 annual fee
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Business charge card with 2x earn on the first $50,000 in purchases per year, dropping to 1x after. Pure points play with no category bonuses. Useful mainly for businesses with predictable spend under $50K who want to consolidate purchases into Membership Rewards.
Earn Rates
All purchases1x
💡 2x on first $50K in purchases/yr. 1x after. Business card.
Welcome Bonus
Smart Bonus Strategy — Earn 57,500 points
See spend breakdown below
Minimum spend bonus
Spend $7,500 in 3 months
optimal stop50,000 pts × 1.5¢+$750Min. spend earnings7,500 pts × 1.5¢+$113
Annual fee-$199
Net first-year value+$664
Not Included in Smart Bonus Strategy
20,000 points after $30,000 in purchases in the first 12 months
Spend $22,500 in 12 months
Only 1.3% return — optimal tier earns 8.8%
20,000 pts × 1.5¢+$300Compare to Similar Cards
American Express Green
Amex Membership Rewards1.5¢ – 4.0¢
$0 annual fee
you could earn$509
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American Express Cobalt
Amex Membership Rewards1.5¢ – 4.0¢
$192 annual fee
you could earn$1,294
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