Card economics
Amex Business Gold
Annual fee
$375/yr
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Earn rates
| Category | Rate |
|---|---|
| Everything else | 1xBase rate |
Transfer partners: Amex Membership Rewards
Category selection rules
4x on top 2 categories each month
Choose up to 2 categories for the bonus rate
Cap: $150,000/year | Non-selected categories earn 1x
The optimizer automatically selects the best categories based on your spending.
Fee calculator
Sticker Fee
$375/yr
Credits
-$120
Effective Fee
$255
Credits & Benefits
Max: $240/yr ($20/mo) · monthly
Up to $20/month across FedEx, Grubhub, and select office supply stores. Must use card at these specific merchants.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Amex Business Gold might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
Run the optimizer — free