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American Express Business Gold Rewards Card review

4.8Rated by the CreditCardGuru Editorial Team

The American Express Business Gold Rewards Card earns up to 1x on all purchases and carries a $199 annual fee. We estimate around $2001 in first-year value. Figures are illustrative — verify current terms with American Express.

At a glance

Annual fee
$199
Welcome bonus
~$2,001
Foreign tx fee
2.5%
Network
AMEX
Rewards
points
Purchase APR
20.99%

Rewards & earn rates

All Purchases1x

Welcome offer: Up to ~$2,001 in first-year value.

Pros & cons

Pros

  • Earns 1x on all purchases
  • Airport lounge access
  • Strong first-year value (~$2001)

Cons

  • 2.5% foreign transaction fee
  • American Express isn't as widely accepted as Visa or Mastercard

Perks & insurance

Key perks

  • Lounge Access

Insurance

    Rates & fees

    Annual fee
    $199
    Purchase interest
    20.99%
    Cash advance
    22.99%
    Foreign transactions
    2.5%

    Compare American Express Business Gold Rewards Card with…

    vs American Express Cobalt Cardvs CIBC Aeroplan Visa Business Card
    Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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