Business Gold from American Express® Review

All benefits

• Points
  • 4x On the 2 select categories where your business spent the most each billing cycle. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year (1X point per dollar thereafter).
  • 1x On other purchases.
• Travel
  • 25% Airline Bonus. Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back.
  • No Foreign Transaction Fees:
  • Do business globally and pay no foreign transaction fees on your purchases.
  • The Hotel Collection:
  • Book The Hotel Collection with American Express Travel and get the following benefits at participating properties when you stay at least two consecutive nights: $100 hotel credit, Room upgrade upon arrival.
  • Global Assist® Hotline:
  • Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
  • Baggage Insurance Plan:
  • Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
  • Car Rental Loss and Damage Insurance:
  • As a Card Member, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter.
  • Trip Delay Insurance:
  • If there is an unpredictable event that delays a trip, trip delay insurance compensates for some expenses.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 19.49% - 27.49% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • None
• APR for Cash Advances
  • None
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing period. You will not be charged interest if you pay your entire balance by the due date each month.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Bonus points
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Auto Rental Insurance
• Good Credit
• Excellent Credit