American Express · Personal
American Express Business Gold Card
$375 a year, charged on your account anniversary
Two of the three Business Gold credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
Credits, and when they reset
Every month
- $20 $20 business credit resets on the 1st of each monthNeeds enrollment Amex won't backdate enrollment.
- $13 $12.95 Walmart+ credit resets on the 1st of each month
Every year
- $150 $150 Squarespace credit resets on January 1Needs enrollment Amex won't backdate enrollment.
What counts, and what doesn't
- 2 credits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply it retroactively.
- Credits do not roll over. Whatever is unused when the period ends is gone.
Is it worth the fee?
$545
Up to $545 a year in credits against a $375 fee. On paper the credits more than cover it. Whether it's worth it depends on which ones you'd actually use.