Card economics
Amex Business Gold
Annual fee
$375/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
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
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
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.
Catalog record last reviewed Aug 2, 2026. 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.
Run the optimizer — free