The American Express® Gold Card is beloved by many of us at TPG, as it is one of the best rewards cards for dining and spending at U.S. supermarkets.

The card also features multiple statement credits related to dining services and restaurants for a $325 annual fee (see rates and fees).

Let’s take a look at why you should consider adding the Amex Gold to your wallet.

American Express Gold welcome offer

Find out your offer and see if you are eligible to earn as high as 100,000 Membership Rewards points after spending $6,000 on eligible purchases in your first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

This offer is worth up to $2,000, based on TPG’s June 2025 valuations.

This is the second American Express card to get this targeted treatment, as last week, The Platinum Card® from American Express launched its own version: Find out your offer and see if you are eligible to earn as high as 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Read more: The best time to apply for these popular American Express cards based on offer history

Should you apply for the Amex Gold Card?

The American Express Gold Card is one of the best cards for dining and grocery purchases, but it also offers ongoing perks that can easily justify and cover the card’s annual fee.

The Amex Gold has many lucrative bonus-earning categories:

• 4 points per dollar spent on dining at restaurants worldwide (on up to $50,000 per calendar year, then 1 point per dollar)
• 4 points per dollar spent on up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar)
• 3 points per dollar spent on flights booked directly from the airline or through amextravel.com
• 2 points per dollar spent on prepaid hotels and other eligible purchases booked through amextravel.com
• 1 point per dollar spent on all other eligible purchases

Additionally, Amex Membership Rewards points can transfer to 18 airlines and three hotel partners, including valuable programs such as Air Canada Aeroplan and Air France-KLM Flying Blue.

You can maximize your rewards by booking aspirational business-class tickets or picturesque stays at island resorts for far less than their cash equivalent.

Cardmembers get up to $10 a month (up to $120 a year) in dining statement credits at participating merchants, including Five Guys, Goldbelly, Grubhub, The Cheesecake Factory and Wine.com. (Enrollment is required, and terms apply.)

Cardmembers also receive up to $10 in Uber Cash monthly (up to $120 a year) for Uber Eats and Uber rides in the U.S. You must add the Amex Gold Card to the Uber app to receive the Uber Cash benefit, and you can redeem with any Amex card. (Enrollment is required, and terms apply.)

Additionally, cardmembers receive up to $100 in Resy statement credits annually that are divided into two up to $50 credits biannually. To use them, dine at a participating Resy restaurant in the U.S. and pay your bill with the Amex Gold Card. (Enrollment is required, and terms apply.)

Finally, cardmembers receive up to $7 a month (up to $84 annually) in Dunkin’ statement credits. You simply use your Amex Gold Card when paying at U.S. Dunkin’ locations. (Enrollment is required, and terms apply.)

Related: 5 under-the-radar ways to maximize the Amex Gold’s dining credits

Bottom line

Earning so many bonus points at restaurants worldwide and U.S. supermarkets is huge. Amex Membership Rewards points are highly valuable, and there are many great redemption options. If you fully use all the statement credits, you can get $424 in value each year, which easily covers the $325 annual fee.

TPG staffers continue to carry the Amex Gold year after year. Given its food-geared statement credits, strong earning rates on dining and groceries, and ability to earn transferable points, it probably deserves a place in any frequent traveler’s wallet.

To learn more, read our full review of the Amex Gold.

---

Apply here: American Express Gold Card

---

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

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

When you run a business, every dollar counts. Having the right credit card can not only help you pay the bills, but it can go a long way to help you actually save money.

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

(And don’t forget: freelancers, side hustlers, and really anyone with a bit of income on the side can qualify for business cards too. You don’t need to be an LLC or have a formal business setup!!)

One of the cards I love is the American Express® Business Gold Card. It’s simple and straightforward, offering flexible bonus categories that actually match your spending habits (something I wish more cards did), and is especially good if you do a lot of paid online ads.

Here’s everything you need to know about the American Express® Business Gold Card to see if it’s right for you:

 

What is the American Express® Business Gold Card?

The Business Gold Card is an easy-to-use business card issued by American Express. Its best feature is the ability to earn 4x points on the top two eligible categories where your business spends the most each month, from six eligible categories (more on those below).

I like that this keeps things simple, instead of offering a laundry list of statement credits to keep track of (though if you are interested in a card that does, check out my review of The Business Platinum Card® from American Express).

As an Amex card, you’ll also get access to fantastic customer service, Amex Offers, and some travel protections.

Here’s a glance at some of the benefits this card offers:

• Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first three months of Card Membership
• Earn 4x Membership Rewards points on the top two eligible categories where your business spends the most each month, 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). Only the top two categories each billing cycle will count towards the $150,000 cap
• Earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Earn 1x on all other purchases
• Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (that’s up to $240 per year)
• Earn up to a $12.95 (plus applicable taxes on one membership fee) statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card (that’s up to $155 per year)
• No foreign transaction fees (See Rates & Fees)
• Extended warranty, purchase, and cellphone protection*
• Secondary car rental and baggage insurance*

The card does come with a $375 annual fee (See Rates and Fees).

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
 

Earning Membership Rewards Points

As I mentioned, the best feature of this card is the ability to earn 4x in the two categories where your business spends the most (on your first $150,000 of spending each year). It’s important to understand that this doesn’t include all spending categories though, just these six eligible categories:

1. Purchases at US media providers for advertising in select media (online, TV, radio)
2. U.S. purchases made from electronic goods retailers and software & cloud system providers
3. U.S. purchases at restaurants, including takeout and delivery
4. U.S. purchases at gas stations
5. Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
6. Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

The nice part about this benefit is that your top two categories can change from month to month, reflecting your real-time business needs. But one of the ways to really maximize this benefit is that you can get 4x on online ads while most other cards offer a max of 3x. So, if you put all your online ads on this card and keep it as one of your top categories, you can get more points per dollar spent on ads than any other card!

And don’t worry about keeping track of which categories are your most used. The card automatically figures out your top two spending categories and awards points accordingly (you’ll see them as 1x until your statement closes, after which your top categories will be determined and points awarded).

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

On the flip side, your regular business spending might not align with these categories. If that’s the case, I’d recommend a business card that has an increased earning rate on the ones that you do spend in, or one that earns more across all categories (you can check out which ones I recommend in this post on my favorite business cards).
 

Using Your Membership Rewards Points

With the Business Gold Card, you’ll earn Membership Rewards® points, which you can transfer to any of Amex’s 21 airline and hotel partners. Since Amex has a well-rounded suite of travel partners, Membership Rewards points are some of the most valuable points out there.

These are Amex’s current travel partners:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Club (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Club (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Choice Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Guest (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Club (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Club (1:1 ratio)

Most transfers are instant, though some can take up to 48 hours. Remember to only transfer the exact number of points that you need to book your flight or hotel. Transfers are one-way only.

You can also use your Membership Rewards points to book flights and hotels in the Amex Travel portal. I would advise against it though. It’s not as good a value as transferring your points to partners.
 

Up to $395 Per Year in Flexible Credit for Business Purchases

The Business Gold card offers statement credits in two categories, adding up to a potential annual savings of $395 per year (effectively paying for the cost of the card).

First, you can earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and office supply stores.

Second, you can earn up to $12.95 in statement credits each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. (Up to $12.95 plus applicable taxes. Plus Ups not eligible.)

I find these statement credits a bit random, and they’re not the most helpful if you have an online business like me. I usually max out on the Grubhub credits though!
 

Access to Amex Offers

The Business Gold Card also has access to Amex Offers, an ever-changing roster of deals where you can save money or earn bonus points with select retailers. The offers are targeted, so every cardholder has their own unique array of offers at any given time. For these offers, you do have to add them to your card before making a purchase (or you won’t get the deal).

Usually, they’re structured as “spend X, get Y amount back as a statement credit” though sometimes they’ll offer bonus points or a percentage back. While you probably won’t be able to take advantage of most offers, the more you can, the more you can offset the card’s annual fee.

New offers get added as old ones expire, so it’s worth checking back every so often so you can add any offers to your card that you might use.
 

Who is the Business Gold Card for?

The Business Gold card is best for business owners who have regular spending in the six categories where you can earn 4x points. This card is especially ideal for entrepreneurs who don’t want to worry about rotating or pre-selecting bonus categories. All you have to do is use it for your regular business spending and you’ll get your points.

Like with any card, if you’re carrying a balance — or think you might — you shouldn’t get this one. Travel cards like this come with high interest rates, and the rewards you earn won’t make up for what you’ll lose in interest charges. Trust me, no amount of points is worth going into debt over!

This card is also not for anyone with poor credit, as you need excellent credit to qualify. (If that’s you, check out the best credit cards for improving your score.)

***

The American Express Business Gold Card is one of my favorite business cards. The ability to automatically earn 4x points on your top two spending categories each month keeps things simple and helps you rack up points quickly. And more points equals more trips.

While it’s not as flashy as its more premium counterpart the Business Platinum, I like to keep the Business Gold in my wallet because it works hard behind the scenes. If you’re looking for a solid business card that works as hard as you do, this one’s worth a closer look.

Click here to learn more and sign up!