Business Gold

Dining is the strongest category at 2.4% effective value (4x points at about 0.6 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 2.4% effective value (4x points at about 0.6 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category.

Madeen values American Express Membership Rewards at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Business Gold has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at restaurants, including takeout and delivery. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter). Capped at $150000 per year.
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: U.S. purchases at gas stations. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter). Capped at $150000 per year.
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap (then 1X thereafter). Capped at $150000 per year.

The Business Gold fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.

Business Gold fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 63% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.

Compare it against simpler no-fee cards if you want minimum complexity.

Worth a look for dining spend if you need a business card and can use American Express Membership Rewards the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Business Gold has an annual fee of $375 and a foreign transaction fee of None. New applicants may see: Earn 100,000 Membership Rewards® Points after you spend $15,000 on eligible purchases with your Card in the first 3 months of Card Membership. Confirm current issuer terms before applying.

Annual fee

$375

Foreign transaction fee

None

Signup bonus

Earn 100,000 Membership Rewards® Points after you spend $15,000 on eligible purchases with your Card in the first 3 months of Card Membership

The Business Gold includes $150 Squarespace Annual Credit, $155 Walmart+ Credit, $240 Flexible Business Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• $150 Squarespace Annual Credit

  Showcase your business. Create a customizable website or online store with an all-in-one solution from Squarespace. Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.

• $155 Walmart+ Credit

  Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.

• $240 Flexible Business Credit

  Get more for your business purchases. Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240.

• $300 ChatGPT Business Credit

  Card Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions

• Baggage Insurance Plan

  Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

• Car Rental Loss and Damage Insurance

  As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

• Cell Phone Protection

  You can be reimbursed, the lesser of, your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account.

• Extended Warranty

  With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Compare the Business Gold against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Hilton Honors American Express AspireAmerican Express · 3.5% on dining
• Hilton Honors American Express Surpass®American Express · 3% on dining
• Hilton Honors BusinessAmerican Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining

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