Huge Amex Business Gold Card As High As 200K Points Welcome Offer
The American Express® Business Gold Card is one of the most rewarding business cards if you’re looking to earn Amex Membership Rewards points.
Currently we’re seeing an excellent improved welcome offer on this card, making it the ideal time to apply. Or more accurately, we’re seeing an offer that could be very good, as it’s variable. If you’re eligible for this card, it’s absolutely worth seeing what’s available to you.
Link: Learn more about the American Express® Business Gold Card
See what Amex Business Gold Card offer you’re eligible for
The Amex Business Gold Card currently has a massive welcome offer that’s as high as 200,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months. Welcome offers vary and you may not be eligible for an offer.
Personally, I value Amex points at 1.7 cents each, meaning that to me, the 200,000 points are worth $3,400.
There are lots of great uses for Amex points, as they can be transferred to all kinds of useful airline and hotel partners. Of course let me emphasize that not everyone will be eligible for this offer, which is why you’ll want to check what’s available to you.
Who is eligible for the Amex Business Gold Card bonus?
In line with Amex’s “once in a lifetime” rule, the welcome offer on the Amex Business Gold Card isn’t available to those who currently have the card, or those who have had the card (or previous versions of the card) in the past. On top of that, Amex’s general card restrictions apply.
There are a few additional things to note:
- You are eligible for the welcome offer on this card if you’ve had any other Amex card, so you can apply for this card even if you have another Amex business card, or the personal version of this card
- While Amex typically has a limit of letting someone have at most five Amex credit cards (including personal and business cards), that doesn’t include this product, since it’s not a traditional credit card
- If you’re worried about the Chase 5/24 limit, getting approved for the Amex Business Gold shouldn’t count as a further card toward that limit
- Amex does sometimes have application pop-ups indicating that you may not be eligible for a bonus even though you meet the published requirements otherwise, and in those cases there’s not much you can do
Anecdotally, I find this to be a pretty easy card to get approved for, and you can read about my experience applying here.
Why the Amex Business Gold Card may be worth it
The Amex Business Gold Card has a $375 annual fee (Rates & Fees). There are many reasons to consider picking up this card.
I’d say the single biggest reason to get this card is because of the rewards structure. Each billing cycle, the card earns 4x Amex points in the two categories in which your business spends the most. There are a total of six eligible categories to choose from. Note that you earn 4x points on the first $150,000 in combined purchases from these categories each calendar year, and then 1x points thereafter.
Categories eligible for 4x points include the following:
- Purchases at U.S. media providers for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
On top of that, the card offers some credits that can help offset the annual fee:
- The card offers up to a $240 flexible business credit annually; this comes in the form of a $20 per month statement credit that can be used toward eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. (Enrollment required)
- The card offers up to $155 in Walmart+ credits annually; this comes in the form of a $12.95 monthly credit toward a Walmart+ membership, which covers the entire cost of that, and can save you money on shipping and delivery of Walmart purchases, and can also save you money on prescriptions and gas. (Enrollment required)
Read a full review of the Amex Business Gold Card here.
Amex Business Gold Card welcome offer FAQs
The highest welcome offer on the Amex Business Gold is currently for up to 200,000 bonus Membership Rewards points upon completing minimum spending, though different people are eligible for different offers.
The Amex Business Gold generally follows a “once in a lifetime” rule for the welcome offer, so you’re typically only going to be eligible if you haven’t earned a welcome offer on the card in the past. That being said, during the application process you should receive a warning if you’re not eligible for a welcome offer, before there’s a hard pull.
If you get a lower offer than the maximum for the Amex Business Gold, you can either choose not to follow through with the application (with no impact on your credit score), and maybe try again in the future, in hopes of getting something better. Alternatively, you can apply anyway. Not all people will be eligible for the best offer, and there’s still lots of merit to getting the card with a lower offer.
The Amex Business Gold welcome offer is only available to those who directly apply for the card under an eligible offer. If you product change from another Amex card, you’re generally not eligible for the bonus.
If you’re an authorized user on someone else’s Amex Business Gold, you’re still eligible for the welcome offer on the card if you apply under your own account.
Bottom line
The Amex Business Gold Card currently has an excellent welcome offer that’s as high as 200,000 bonus Membership Rewards points upon completing minimum spending. While the spending requirement is significant, so is the number of points you can earn, so this is worth it if you can swing it… assuming you’re eligible!
The main reason to consider picking up this card (beyond the great welcome offer) is because it offers 4x points in valuable categories. On top of that, though, the card offers some credits that can help offset the annual fee.
Do you plan on picking up the Amex Business Gold Card? What kind of a welcome offer are you eligible for?
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees).
