Card economics
Amex Business Gold
Annual fee
$375/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Amex Travel - Flights | 3xPortal only |
| Amex Travel - Hotels | 3xPortal only |
| Everything else | 1xBase rate |
Transfer partners: Amex Membership Rewards
Category selection rules
Some cards let you pick bonus categories each quarter or year. The optimizer selects the highest-modeled-value categories based on your spending pattern.4x on top 2 categories each month
Choose up to 2 categories for the bonus rate
Categories in the same issuer-defined group use one selection.
Dining + Fast Food
Cap: $150,000/year | Non-selected categories earn 1x
The optimizer selects the highest-modeled-value categories based on your spending.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$375/yr
Credits
-$120
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$255
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $240/yr ($20/mo) · monthly
Up to $20/month in statement credits after enrolling, for eligible U.S. purchases at Grubhub, office supply stores, and shipments at UPS.com (UPS.com replaced FedEx effective 2026-10-01). Must use card at these specific merchants.
Max: $300/yr · annual
Up to $300/calendar-year in statement credits on U.S. purchases of a ChatGPT Business plan. Enrollment required.
Max: $150/yr · annual
Up to $150/calendar-year in statement credits for U.S. Squarespace purchases (websites/plans). Enrollment required.
Max: $155/yr ($13/mo) · monthly
Covers a monthly Walmart+ membership (~$155/yr incl. tax). Requires keeping the membership active.
Max: $100/yr · annual
$100 credit toward eligible charges with each Hotel Collection booking of two nights or more through AmexTravel.com; repeats per stay. Modeled as one stay.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Amex Business Gold might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.