With the potential to earn 4x Membership Rewards points in bonus categories, the American Express® Business Gold Card can be an incredibly rewarding credit card for business owners. The card also comes with a handful of travel benefits to help offset the $295 annual fee. Terms apply.

The well-known reasons

Welcome offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.

Strong rewards earnings: Earn 4x Membership Rewards points on two select categories where your business spends the most each month. This applies to the first $150,000 in combined purchases in these categories each calendar year. Terms apply.

No foreign transaction fees: With no foreign transaction fees, you can use the card without paying this fee while traveling internationally.

Terms apply.

The underrated reasons

Airline bonus

With the American Express® Business Gold Card, you’ll get 25% of your points back when you use your Membership Rewards points to book flights through American Express Travel.

To qualify, you will need to book a flight with your preselected qualifying airline. It’s possible to earn a total of 250,000 points back per year. Terms apply.

Travel protections

Charging travel to your American Express® Business Gold Card doesn’t end with earning 4x points. With a slew of travel protections, the card keeps you protected while on the road.

If your trip is delayed for more than 12 hours, the card’s trip delay insurance will provide up to $300 per trip to cover the cost of hotels, meals or other necessary expenses.

Baggage insurance will cover your belongings if your bags are lost, damaged or stolen while traveling. With the card’s baggage insurance plan, you’ll be entitled up to $1,250 for carry-on baggage and up to $500 for checked baggage.

If you’ll be renting a car, you can benefit from car rental loss and damage insurance as well. All you need to do is charge the rental car to your card and decline the collision damage waiver from the rental company. Unfortunately, this coverage isn’t primary, so it will be secondary to your personal insurance and doesn’t include liability coverage.

When you travel more than 100 miles from home, you will also have access to Global Assist Hotline where you can request 24/7 emergency assistance and other assistance services. Terms apply.

Extended warranty

Shopping for your business using your American Express® Business Gold Card gives you a few extra protections.

With the card’s extended warranty protection, any manufacturer’s warranty for less than five years will be extended for one additional year.

Your purchases will also be covered against theft or accidental damage with the card’s purchase protection benefit. You’ll be covered for up to 90 days from purchase with a limit of $1,000 per occurrence and an annual limit of $50,000. Terms apply.

Hotel Collection perks

As a cardholder, you’ll get extra perks when you book select luxury hotels through The Hotel Collection with American Express Travel. When you book two or more nights at participating properties, you’ll receive $100 hotel credit (for dining, spa or other activities) and potentially score a room upgrade upon check-in. Terms apply.

The bottom line

The American Express® Business Gold Card doesn’t have jaw-dropping luxury travel benefits, but with its 4x points bonus categories, it can be incredibly rewarding. Offsetting the annual fee is possible when you use the card strategically. Terms apply.

It can be a great option for business owners who spend large amounts in at least two of the select categories available. The 25% points rebate when booking flights allows extra flexibility while keeping more points in your account, and the built-in travel protections can provide priceless peace of mind. For these reasons and more, adding the American Express® Business Gold Card is worth considering.

To view rates and fees of the American Express® Business Gold Card, see this page.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

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