American Express · Business card
American Express Business Gold Card
The American Express Business Gold Card has a $375 annual fee and up to $845 a year in statement credits, across four credits. All Amex Business Gold credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
- Annual fee
- $375
- Charged on your account anniversary
- Credits a year
- Up to $845
- 4 statement credits, used in full
- Need enrollment
- 4 of 4
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time. American Express won't backdate enrollment, so enroll before you spend.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| ChatGPT Business creditEnroll firstEnroll in the benefit in the Amex account first.$300 a year. On January 1 | $300 a year | On January 1 | $300 |
| Monthly flexible business creditEnroll first$20 a month. On the 1st of each month | $20 a month | On the 1st of each month | $240 |
| Walmart+ creditEnroll first$12.95 a month. On the 1st of each month | $12.95 a month | On the 1st of each month | $155 |
| Squarespace creditEnroll first$150 a year. On January 1 | $150 a year | On January 1 | $150 |
| Total a year, if you use every credit | $845 |
What people get wrong
- Enrollment comes first. Four benefits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Amex Business Gold
What is the annual fee on the American Express Business Gold Card?
$375 a year, charged each year on your account anniversary.
How much are the Amex Business Gold credits worth?
Up to $845 a year if you use all four statement credits in full. The largest: ChatGPT Business credit ($300), Monthly flexible business credit ($240) and Walmart+ credit ($155).
Which Amex Business Gold benefits need enrollment?
All four: ChatGPT Business credit, Monthly flexible business credit, Walmart+ credit and Squarespace credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the Amex Business Gold credits reset?
Monthly credits reset on the 1st of each month, and yearly credits on January 1. Unused credit does not roll over.
Is the Amex Business Gold worth the $375 fee?
On credits alone, only if you use at least 45% of them. They add up to $845 a year against the $375 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Amex Business Gold earn?
American Express Membership Rewards points, worth about 1.75 cents each in a typical redemption.
