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Business Credit CardAmex
American Express Business Gold Card
American Express · United States
4.4
RatingKey Information
Annual Fee$375
CurrencyUSD
DifficultyMedium
Local ID RequiredYes
Credit HistoryRequired
NetworkAmex
Benefits & Rewards
- 4X on top 2 spending categories each month (auto-selected)
- Categories: transit, tech, restaurants, advertising, shipping, gas
- 25% airline points rebate for Pay with Points
- Flexible payment options
- No preset spending limit
Pros
- + 4X auto-adjusts to your top spending categories
- + No preset spending limit great for businesses
- + Flexible Membership Rewards points
- + Separates business and personal expenses
Cons
- - $375 annual fee
- - 4X capped at $150K in combined spending
- - Amex less accepted than Visa/MC
Application Requirements
- Business (any structure including sole proprietor)
- Good personal credit
- US address
- EIN or SSN
Required Documents
SSN or EINBusiness informationRevenue details
Fees
Annual Fee$375
Foreign Transaction Fee$0
Employee Cards$0
Frequently Asked Questions
Do I need a registered business?
No, sole proprietors and freelancers can apply using their SSN and personal address.
$375
Annual Fee
Recommended for
Small business ownersFreelancersHigh-spending businesses
Tags
#business#amex#rewards#flexible#us
Last verified2026-05-12
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
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