Back to resultsAmerican ExpressAmerican Express® Business Gold Card
American Express
American Express® Business Gold Card
Business cardSkyMiles®Aeroplan®Flying BlueAvios$240 flexible business credit (Grubhub, office supply, UPS), $300 ChatGPT Business credit, $150 Squarespace credit, purchase protection
Annual fee $375
Apply54,000miles/yr
Net value+$435
Rank#10 of 17
Earn by category
Miles a year · total 54,000Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 1 mi / $1 | ||
| Dining & cafés | If you pick Restaurants + AdvertisingU.S. restaurants incl. takeout and deliverycalculated as 95% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Dining & cafés | If you pick Restaurants + Electronics & softwareU.S. restaurants incl. takeout and deliverycalculated as 95% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Dining & cafés | If you pick Restaurants + GasU.S. restaurants incl. takeout and deliverycalculated as 95% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Dining & cafés | If you pick Restaurants + TransitU.S. restaurants incl. takeout and deliverycalculated as 95% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Dining & cafés | If you pick Restaurants + WirelessU.S. restaurants incl. takeout and deliverycalculated as 95% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Gas + AdvertisingU.S. gas stationscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Gas + Electronics & softwareU.S. gas stationscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Gas + TransitTransit: trains, taxicabs, rideshare, ferries, tolls, parking, buses, subwayscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Gas + TransitU.S. gas stationscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Gas + WirelessU.S. gas stationscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Restaurants + GasU.S. gas stationscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Restaurants + TransitTransit: trains, taxicabs, rideshare, ferries, tolls, parking, buses, subwayscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Transit + AdvertisingTransit: trains, taxicabs, rideshare, ferries, tolls, parking, buses, subwayscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Transit + Electronics & softwareTransit: trains, taxicabs, rideshare, ferries, tolls, parking, buses, subwayscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Transport & fuel | If you pick Transit + WirelessTransit: trains, taxicabs, rideshare, ferries, tolls, parking, buses, subwayscalculated as 50% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Online shopping | If you pick Electronics & software + AdvertisingU.S. electronic goods retailers and software & cloud system providerscalculated as 15% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Online shopping | If you pick Gas + Electronics & softwareU.S. electronic goods retailers and software & cloud system providerscalculated as 15% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Online shopping | If you pick Restaurants + Electronics & softwareU.S. electronic goods retailers and software & cloud system providerscalculated as 15% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Online shopping | If you pick Transit + Electronics & softwareU.S. electronic goods retailers and software & cloud system providerscalculated as 15% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Online shopping | If you pick Wireless + Electronics & softwareU.S. electronic goods retailers and software & cloud system providerscalculated as 15% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Bills & subscriptions | If you pick Gas + WirelessMonthly wireless telephone service from a U.S. provider (select merchants only from 2027-…calculated as 30% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Bills & subscriptions | If you pick Restaurants + WirelessMonthly wireless telephone service from a U.S. provider (select merchants only from 2027-…calculated as 30% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Bills & subscriptions | If you pick Transit + WirelessMonthly wireless telephone service from a U.S. provider (select merchants only from 2027-…calculated as 30% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Bills & subscriptions | If you pick Wireless + AdvertisingMonthly wireless telephone service from a U.S. provider (select merchants only from 2027-…calculated as 30% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Bills & subscriptions | If you pick Wireless + Electronics & softwareMonthly wireless telephone service from a U.S. provider (select merchants only from 2027-…calculated as 30% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Travel & airfare | Portal only: flights and prepaid hotels on AmexTravel.comcalculated as 15% of this category | 3 mi / $1 | None |
| Everything else | If you pick Electronics & software + AdvertisingU.S. media providers for advertising in select media (online, TV, radio; select merchants…calculated as 5% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Everything else | If you pick Gas + AdvertisingU.S. media providers for advertising in select media (online, TV, radio; select merchants…calculated as 5% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Everything else | If you pick Restaurants + AdvertisingU.S. media providers for advertising in select media (online, TV, radio; select merchants…calculated as 5% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Everything else | If you pick Transit + AdvertisingU.S. media providers for advertising in select media (online, TV, radio; select merchants…calculated as 5% of this category | 4 mi / $1 | 37,500 miles (shared) |
| Everything else | If you pick Wireless + AdvertisingU.S. media providers for advertising in select media (online, TV, radio; select merchants…calculated as 5% of this category | 4 mi / $1 | 37,500 miles (shared) |
- This card makes you choose one of: Restaurants + Advertising / Restaurants + Electronics & software / Restaurants + Gas / Restaurants + Transit / Restaurants + Wireless / Gas + Advertising / Gas + Electronics & software / Gas + Transit / Gas + Wireless / Transit + Advertising / Transit + Electronics & software / Transit + Wireless / Electronics & software + Advertising / Wireless + Electronics & software / Wireless + Advertising. We use whichever earns you more.
- Monthly caps apply to bonus earn above the base rate; base earn continues after the cap.
- Who can apply: Business owners incl. sole proprietors, freelancers and side businesses (apply with SSN or EIN); personal guarantee.
- Earns Amex Membership Rewards points; calculated at 1 points = 1 mile
- Sign-up bonus: 200,000 miles · Personalized: 'as high as' 200,000 MR points after $15,000 in purchases in the first 3 months (TPG/Upgraded Points, 2026); your offer is shown before you accep…
- 1 mile ≈ 1.5¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
Where these miles go
This card earns or transfers to these programs.
SkyMiles®Delta Air Lines · 1 mile ≈ 1.2¢
Aeroplan®Air Canada · 1 mile ≈ 1.5¢Used in your result
Flying BlueAir France-KLM · 1 mile ≈ 1.3¢
AviosBritish Airways · 1 mile ≈ 1.3¢
Verified 2026-10-23 · American Express disclosure·Report an error