The American Express Business Gold Rewards card earns Membership Rewards on all eligible purchases which can be transferred to various frequent flyer and hotel loyalty programs for travel redemptions.
Earning American Express Membership Rewards
The American Express Business Gold Rewards card earns Membership Rewards points for all purchases made on the card:
- 1 Membership Rewards point for every dollar spent on eligible purchases.
The American Express Business Gold Rewards card earns at a consistent rate of 1x Membership Reward point per dollar, regardless of the spend category. There are no bonus categories that result in an increased earning rate with this credit card.
Redeeming American Express Membership Rewards
American Express Membership Rewards points are a flexible and transferable points currency. The best use for them is to transfer them to an airline or hotel loyalty program partner for your next flight or hotel redemption if you want to maximize their value while saving on travel.
Membership Rewards frequent flyer and hotel loyalty program transfer partners include:
- Air Canada Aeroplan at a 1:1 ratio
- British Airways Avios at a 1:1 ratio
- Cathay Pacific Asia Miles at a 1:0.75 ratio
- Air France/KLM Flying Blue at a 1:0.75 ratio
- Delta SkyMiles at a 1:0.75 ratio
- Etihad Guest at a 1:0.75 ratio
- Hilton Honors at a 1:1 ratio
- Marriott Bonvoy at a 1:1.2 ratio
Learn more about Membership Rewards transfer partners with our Ultimate Guide to American Express Canada Transfer Partners.
Membership Rewards can also be redeemed toward travel purchases at a rate of 1 cent per point, plus they can be used for gift cards and merchandise. It is highly recommended to not use your points for these redemption options, as you will receive much higher value from transferring to a frequent flyer or hotel loyalty program.
Benefits
American Express Hotel Collection
American Express Business Gold Rewards cardholders will also gain access to the American Express Hotel Collection booking platform. If you book a stay at a property on this platform for two consecutive nights or more, you will receive up to a $100 USD hotel credit, a one-category room upgrade at check-in, 12 pm early check-in, and late check-out (all benefits except the hotel credit are marketed as when available).
Hertz Rental Car Discount
American Express Business Gold Rewards cardholders receive 10% off Hertz rental car bookings and the additional driver fee is waived when booking through the following link. Cardholders will also receive a one-car-class upgrade for rentals of 5+ days where possible.
Insurance Coverage
The American Express Business Gold Rewards card offers several types of insurance coverage:
- Travel accident insurance: $100,000 of accidental death and dismemberment coverage
- Rental car theft and damage insurance: Comprehensive coverage for cars up to $85,000 MSRP
- Lost or stolen baggage insurance: $500 total coverage for all insured persons
- Flight delay insurance: $500 total coverage for reasonable purchases within 48 hours when delayed or denied boarding for 4 hours or more (combined maximum with baggage delay insurance)
- Baggage delay insurance: $500 total coverage for essential purchases within four days of arrival when baggage is delayed for 6 hours or more (combined maximum with flight delay insurance)
- Hotel burglary insurance: $500 total coverage for stolen items (excluding cash)
- Purchase protection plan: $1,000 coverage for accidental physical damage or theft for 90 days from the date of purchase
- Buyer’s assurance protection plan: Extend the manufacturer’s original warranty up to one additional year
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
Refer to the American Express Business Gold Rewards insurance certificate for additional details, including terms and conditions for eligibility.
Top American Express Cards
| Credit Card | ||
|---|---|---|
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200,000 Membership Rewards Estimated value: $4,000 Ends Aug 18, 2025 |
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180,000 Membership Rewards Estimated value: $3,600 Ends Aug 18, 2025 |
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110,000 Membership Rewards Estimated value: $2,200 Ends Aug 18, 2025 |
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15,000 Membership Rewards Estimated value: $300 |
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10,000 Membership Rewards Estimated value: $200 |
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Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
What is the minimum income requirement for applying for the Amex Business Gold card?
Typically with Amex there is no specific income requirement to be eligible.