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American Express Business Gold Card

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About American Express Business Banking

The American Express Business Gold Card from American Express is one of the top-rated Business Banking options evaluated on MoneyCompared, earning an overall product score of 9.6/10. Dynamic business card that automatically awards 4x Membership Rewards points on the top 2 eligible categories where your business spends the most each billing cycle.

Key highlights include 19.99% - 28.99% Variable APR on Pay Over Time, a fee structure of $375 Annual Fee, and 100,000 Membership Rewards Points Welcome Offer. Accounts are backed by Up to $240 Flexible Business Credit + QuickBooks Integration and supported by American Express's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$375 Annual Fee
Regular APR / Rate	19.99% - 28.99% Variable APR on Pay Over Time
Intro Offer / Welcome Bonus	100,000 Membership Rewards Points Welcome Offer
Savings APY / AER	Automatic 4x Points on Top 2 Monthly Spend Categories (up to $150k/yr)
Minimum Deposit	$0 Minimum
Foreign Transaction Fee	$0 (None)
Deposit Insurance	Up to $240 Flexible Business Credit + QuickBooks Integration
Mobile App Rating	4.9 / 5.0
Overall Rating	9.6 / 10

About Product

Annual / Monthly Fee: $375 Annual Fee
APR / APY Rate: 19.99% - 28.99% Variable APR on Pay Over Time
Intro Offer / Bonus: 100,000 Membership Rewards Points Welcome Offer
Key Benefits: Automatic 4x Points on Top 2 Monthly Spend Categories (up to $150k/yr)
Minimum Requirement: $0 Minimum
Foreign Transaction Fee: $0 (None)
Protection: Up to $240 Flexible Business Credit + QuickBooks Integration

Pros

Rate / APR / APY: 19.99% - 28.99% Variable APR on Pay Over Time
Fee Structure: $375 Annual Fee
Welcome Offer / Benefit: 100,000 Membership Rewards Points Welcome Offer
Rewards & Highlights: Automatic 4x Points on Top 2 Monthly Spend Categories (up to $150k/yr)

Cons