American Express · American Express · business · Amex Membership Rewards
American Express
Business Gold
AMEX
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$375
annual fee
0%
foreign txn fee
$462
credits/yr realistic ($845 face)
$4,000
sign-up bonus ≈ 200000 points after $15,000/3mo
Earning
| Airfare (booked direct)
Flights and prepaid hotels booked via Amex Travel
|
3x | 6% |
| Amex Travel portal (Issuer travel portal) | 3x | 6% |
| Everything else | 1x | 2% |
| Choose 2: Transit, Dining & restaurants, Gas stations, Advertising, Electronics stores, Software & cloud, Shipping
up to $150,000/year
4x automatically on your top 2 categories each billing cycle from: transit, U.S. restaurants, U.S. gas stations, U.S. advertising (select media), U.S. electronic goods retailers & software/cloud providers, U.S. shipping — first $150,000/yr combined, then 1x. Pick the two you spend most on here. |
4x |
Right column: value per $ at travel valuation (2¢/pt). Statement credit ~0.6¢ (1.1¢ via Schwab Platinum). Travel value assumes airline transfers.
Credits
- $240 Flexible business credit /year · medium to use · enrollment required$20/month at FedEx, Grubhub and U.S. office supply stores
- $300 ChatGPT Business credit /year · medium to use · enrollment requiredChatGPT Business subscription
- $150 Squarespace credit /year · hard to use · enrollment requiredSquarespace subscriptions
- $155 Walmart+ membership credit /year · medium to use · enrollment requiredMonthly Walmart+ membership reimbursed ($12.95/mo)
Benefits
- No foreign transaction fees
- Transfers to ~20 partners
- The Hotel Collection $100 experience credit on 2+ nights
Protections
| purchase protection | 90 days, up to $10,000 per occurrence |
| extended warranty | +1 year |
| trip delay | Up to $300 per trip after 12 hours |
| lost luggage | Up to $1,250 carry-on |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/american-express-green-card/: $375, 4x top two categories to $150k, 3x Amex Travel flights/prepaid hotels, $240 FedEx/Grubhub/office, $300 ChatGPT, $150 Squarespace, Walmart+ credits, up to 200k after $15k (Bankrate Amex overview, Jul 16 2026). Protections still from model knowledge.