American Express® Business Gold Card — Smart Rewards for Business Spending

Turn everyday business expenses into powerful rewards.

Managing business finances efficiently is essential for sustainable growth, and the American Express® Business Gold Card was created with that objective clearly in mind. It allows businesses to turn everyday spending into meaningful rewards while maintaining structure and financial discipline. With Membership Rewards points earned on virtually every eligible purchase, including enhanced earning on travel booked through American Express, the card ensures that routine expenses actively contribute to long-term value. In addition, spending made by employees on supplementary cards also earns points, helping businesses accelerate rewards without changing how they operate day to day.

Beyond everyday earning, the card is particularly appealing for businesses with consistent or higher quarterly spend. When total expenditure reaches £20,000 or more in a calendar quarter, cardmembers unlock additional bonus points, allowing them to earn up to 40,000 extra points in a year. These points offer exceptional flexibility, as they can be redeemed for travel, gift cards, statement credits or transferred to selected airline and hotel loyalty programmes. Whether the goal is to reduce costs, reward a team or reinvest in the business, the American Express® Business Gold Card provides a practical and rewarding way to make business spending work harder, without adding unnecessary complexity.

Key Benefits of the American Express® Business Gold Card

Earn 1 Membership Rewards Point per £1 Spent

First and foremost, the American Express® Business Gold Card allows businesses to earn 1 Membership Rewards point for every eligible £1 spent, with no cap on the number of points you can collect. This applies to everyday business expenses such as supplies, subscriptions and services, ensuring that routine spending consistently generates value.

Earn 2 Points per £1 on American Express Travel

When booking flights, hotels, car hire or experiences through American Express Travel Online, you earn 2 Membership Rewards points for every £1 spent. This enhanced earning rate makes the card particularly attractive for businesses that travel regularly or book accommodation and transport for work-related purposes.

Quarterly Bonus: Up to 40,000 Extra Points per Year

Businesses with higher spending can benefit even more. When you spend £20,000 or more in a single calendar quarter, you receive 10,000 bonus Membership Rewards points. This bonus can be earned up to four times per year, allowing you to collect up to 40,000 additional points annually on top of your standard earnings.

Employee Cards That Boost Your Rewards

The card allows you to issue Employee Cards, enabling team members to make business purchases while keeping all expenses consolidated in one account. Importantly, spending on Employee Cards also earns Membership Rewards points, helping your business accumulate rewards faster without increasing administrative complexity.

Flexible Rewards and Redemption Options

Membership Rewards points offer outstanding flexibility. You can redeem your points for travel bookings, gift cards, statement credits or experiences, or use them to reward your team or offset business costs. Points can also be transferred to selected airline and hotel loyalty programmes, giving you even more ways to maximise their value.

Exclusive American Express Offers

Cardmembers gain access to American Express Offers, which provide targeted savings through statement credits, discounts or bonus points at selected merchants. These offers are regularly updated and can help reduce ongoing business expenses.

Smart Tools, Security and Expense Control

With the American Express app and online account tools, businesses can track spending in real time, manage payments and monitor expense patterns with ease. Combined with advanced security features and mobile wallet compatibility, the Business Gold Card supports fast, secure and flexible payments while maintaining full financial visibility.

Fees and Charges

Fee or Charge	Details
Annual Fee	£0 in the first year, then £195 per year
Card Type	Charge card (full balance payable monthly)
Foreign Currency Transactions	2.99% per non-sterling transaction
Employee Cards	Included at no additional annual cost
Late or Returned Payments	Fees may apply according to terms

How It Compares to Other Business Cards

When compared to entry-level business cards, the American Express® Business Gold Card clearly offers greater reward potential, especially for companies with moderate to high monthly spending. While basic business cards may focus solely on cashback or simple expense tracking, they often lack flexible reward structures and premium features.

Compared with premium business cards, such as higher-tier charge cards, the Business Gold Card sits in a balanced middle ground. It delivers strong earning potential and valuable benefits without the significantly higher annual fees associated with top-tier options.

For businesses that want meaningful rewards but do not require ultra-premium travel perks, this card represents a practical and cost-effective solution.

Eligibility and How to Apply

To be eligible for the American Express® Business Gold Card, applicants must meet standard business and credit requirements. Typically, you should:

• Operate a UK-registered business, partnership or sole trader activity
• Hold a UK bank or building society account
• Be 18 years or older
• Demonstrate responsible financial behaviour and business stability

The application process is completed online and is designed to be straightforward. After submitting your business and personal details, American Express carries out standard checks. In many cases, a decision is provided quickly, although additional verification may be required.

Once approved, you can start managing your account digitally and issue employee cards as needed.

Frequently Asked Questions

1. Is the Business Gold Card a credit card or a charge card?
It is a charge card, meaning the full balance must be paid each month, helping businesses avoid long-term interest costs.

2. Do employee cards earn rewards?
Yes. Spending made on employee cards contributes to the total Membership Rewards balance.

3. Can points be used for business travel?
Membership Rewards points can be redeemed for travel bookings, making them useful for both business and personal use.

4. Is there a spending limit on the card?
Instead of a fixed credit limit, spending capacity is flexible and based on your business profile, payment history and usage.

5. Is the annual fee charged immediately?
No. The annual fee is waived for the first year and only applies from the second year onwards.

Conclusion

The American Express® Business Gold Card is a well-rounded financial tool for UK businesses that want to earn rewards without sacrificing control. It combines flexible spending, valuable points earning and practical management tools into one solution.

For companies with regular expenses and growth ambitions, this card delivers consistent value while remaining simple to manage. When used strategically, it can turn everyday business spending into long-term rewards that truly support your business journey.