70,000 Membership Rewards points
Apply Now†Terms and conditions apply. The information for the American Express Business Gold Rewards Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.
$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.
| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 50,000 | $7,500 spend in 3 months 50,000 MR points after spending $7,500 in first 3 months |
| Spend threshold | 20,000 | $30,000 spend in 12 months 20,000 MR points after spending $30,000 in first year |
| Total | 70,000 Membership Rewards points |
Annual Fee
$199
Additional Card
$50/year
Amex offers a "Quarterly Purchase Bonus" that rewards eligible cardholders with points upon meeting quarterly spending thresholds. No enrollment or registration is required – all of your purchases will count towards the quarterly bonus.
At 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 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.
| Category | Rate |
|---|---|
| All Purchases | 1× |
It can be a decent addition if you incur a lot of business expenses and can take advantage of the quarterly bonus categories.
| Partner | Ratio | Transfer Time |
|---|---|---|
| Aeroplan | 1:1 | instant |
| British Airways Avios | 1:1 | 1-2 days |
| Air France KLM Flying Blue | 1:1 | instant |
| Cathay Pacific Asia Miles | 4:3 | few days to 1 week |
| Delta Skymiles | 4:3 | instant |
| Etihad Guest | 4:3 | instant |
| Marriott Bonvoy | 5:6 | instant |
| Hilton Honors | 1:1 | few days |
This is primarily because it's a flexible, transferable rewards currency.
Membership Rewards points offer access to airlines across all three major alliances and their external partners, giving you diverse redemption options through a single currency.
You can transfer points to airline programs like Aeroplan (Star Alliance), British Airways Avios (oneworld), or Air France KLM Flying Blue (SkyTeam). You can also redeem directly for flights through the Amex Fixed Points Travel reward chart, though these are limited to round-trip flights departing from Canada. Direct redemption against travel purchases is available but typically offers poor value compared to transfer partners.
$100 annual travel credit
General4 Plaza Premium lounge passes annually
GeneralTransfer to airline and hotel partners
GeneralThe Business Gold Rewards Card doesn't offer some of the premium travel benefits found on higher-end American Express cards, but you'll still enjoy all the standard perks of American Express membership.
You can also take advantage of specially-tailored Amex Offers for extra value when used at specific dining venues, shops, and more.
Underwritten by Belair Insurance Company Inc.
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | $500 | 4-hour minimum · Reasonable living expenses and sundry items for flight delays of 4+ hours or denied boarding |
| Baggage Delay | $500 | 6-hour minimum |
| Baggage Loss | $500/person | $500 total |
| Rental Car | Included | Primary CDW · MSRP ≤ $85,000 · up to 48 days |
| Travel Accident | $100,000 | — |
| Purchase Protection | $25,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $1,000/claim |
View Certificate of Insurance (PDF)
Insurance isn't necessarily the strong suit of the Business Gold Rewards Card, but it does include several key coverages when you charge your travel expenses to the card.
One significant drawback: The Business Gold card does not include Emergency Medical Insurance—a benefit many travelers rely on.
That said, it is one of the few credit cards to offer Mobile Device Insurance.
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70,000 Membership Rewards points
Apply Now†Terms and conditions apply. The information for the American Express Business Gold Rewards Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.
Last updated: February 13, 2026