$2,001
First-year value
70,000
Membership Rewards points
$199
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Membership Rewards points at 2.2 cents per point.
Last updated: February 13, 2026
The American Express Business Gold Rewards Card is the mid-range small business credit card by American Express, which comes with a decent welcome bonus and modest perks.
Currently, the American Express Business Gold Rewards Card offers a standard bonus of up to 70,000 Membership Rewards points, awarded as follows:
Amex also offers a "Quarterly Purchase Bonus" which awards 10,000 MR points upon spending $20,000 in each of the four calendar quarters every year. No enrollment or registration is required – all of your purchases will count towards the quarterly bonus. Indeed, this is quite a large amount and not everyone would be able to take advantage of this feature.
The card also allows you to earn 15,000 MR points for every referral you make to any card in the Membership Rewards family, up to a maximum of 75,000 MR points a year.
American Express Referral Program: Refer Friends, Earn Points
Read moreAt Prince of Travel, our favourite tool to use with minimum spending requirements is Chexy, a Canadian platform that allows you to pay a host of bills – including rent, tuition, utility bills, car lease payments, property taxes, and much more – with a credit card and earn points. There's a 1.75% processing fee for each payment, but when you consider the value of the points you earn from spending and welcome bonuses, it's easy to justify.
With the Business Gold Rewards Card, you'll earn a flat 1 MR point per dollar spent on all purchases. This is a very simple structure and the earning rate is standard.
However, it can be a decent addition if you incur a lot of business expenses and can take advantage of the quarterly bonus which can amount up to an additional 50% more points.
The Membership Rewards program offers outstanding redemption opportunities. This is primarily because it’s a flexible, transferable rewards currency.
You can transfer your MR points to these airline and hotel programs at the following rates:
By earning a single points currency, you have access to airlines in all three major alliances, and within each of those programs, you also have access to other external partners, too.
Air Canada's Aeroplan gives you access to Star Alliance-member airlines, such as All Nippon Airways, Lufthansa, Singapore Airlines, Turkish Airlines, United Airlines, and more, as well as external partners, such as Etihad Airways, Virgin Australia, and more.
The Essential Guide to Aeroplan
Read moreThe British Airways Club gives you access to oneworld-member airlines, such as Cathay Pacific, Japan Airlines, Qatar Airways, and more. Plus, you can also convert your British Airways Avios into other "flavours" of Avios, which can result in some excellent redemption opportunities.
The Essential Guide to the British Airways Club
Read moreAir France KLM Flying Blue gives you access to SkyTeam-member airlines, such as Delta Air Lines, China Airlines, and more, as well as external partners such as Etihad Airways and even WestJet.
The Essential Guide to Air France KLM Flying Blue
Read moreFurthermore, you can redeem MR points directly for flights through the Amex Fixed Points Travel reward chart, although these are limited to round-trip flights departing from Canada.
Lastly, you have the option of redeeming MR points directly against travel purchases at a rate of 1 cent per point (cpp), although this is typically not recommended, as the value pales in comparison to what you could get by booking flights through Aeroplan, Avios, or even the Fixed Points Travel chart.
While the Business Gold Rewards Card lacks some of the premium travel benefits that you'll find on the higher-end American Express cards, you’ll still get all of the standard perks of being an American Express cardholder.
If you enjoy watching concerts, theatre productions, or other special events, your Platinum card will give you access to presale and reserved tickets through Amex's Front Of The Line program and with Amex Experiences.
You can also take advantage of specially-tailored Amex Offers for extra value when used at specific dining venues, shops, and more.
Amex Offers: Earn Points or Statement Credits on Select Purchases
Read moreLastly, for your peace of mind, the card includes round-the-clock customer service, emergency replacement if lost, and complete fraud protection.
Insurance isn't necessarily the strong suit of the Business Gold Rewards Card, but it does include the following coverages if you charge your travel expenses to the card:
As a business credit card, it does offer Employee Card Misuse Protection of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges after their termination.
Additionally, it is one of the few credit cards to offer Mobile Device Insurance. Coverage will be up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world, for up to a maximum of 2 years from the date of purchase.
Lastly, the card offers Purchase Protection Plan and Buyer's Assurance Protection Plan, covering most eligible items you’ve purchased with your card up to $1,000 should they be stolen or damaged within 120 days of purchase, as well as an extended one-year warranty period on the manufacturer’s warranty.
130,000 Membership Rewards points
70,000 Membership Rewards points
110,000 Membership Rewards points
95,000 Aeroplan points
85,000 Aeroplan points
110,000 Bonvoy points
110,000 Bonvoy points
40,000 Aeroplan points
15,000 Membership Rewards points
12,500 Membership Rewards points
$100 cash back
$250 cash back
Last updated: February 13, 2026
