The American Express US Business Gold credit card earns Membership Rewards and is available to sole proprietors and small business owners in the United States.
Earning Rewards
The American Express US Business Gold credit card earns Membership Rewards (MR) points for all purchases made on the card:
- 4 Membership Rewards points for every dollar spent on purchases in the top two categories per billing period. Categories include:
- Airfare purchased directly from airlines
- Online, TV, and radio advertising purchases
- Computer hardware, software, and cloud systems purchased from select technology providers
- Gas stations
- Restaurants (including takeout and delivery)
- Shipping
- 1 Membership Rewards point for every dollar spent on all other purchases.
The card will earn 4 Membership Rewards points per dollar spent in the top two categories per billing period, up to $150,000 per calendar year.
Redeeming Rewards
The best use for Membership Rewards is to transfer them to a variety of airline and hotel partners for your next redemption:
- Transferrable at 1:1 ratio: Aeroplan, Alitalia, Aer Lingus, ANA, Avianca LifeMiles, British Airways, Cathay Pacific Asia Miles, Delta Air Lines, Emirates, Etihad Airways, KLM Flying Blue, Hawaiian Airlines, Iberia, Qantas, Singapore Airlines, Virgin Atlantic, Choice Privileges, and Marriott Bonvoy
- Transferrable at 1:0.8 ratio: JetBlue
- Transferrable at 1:1.6 ratio: AeroMexico
- Transferrable at 1:2 ratio: Hilton Honors
You can also redeem Membership Rewards for statement credit however this is not often a great way to get the most value out of your points.
Insurance Coverage
The American Express US Business Gold credit card offers five types of insurance coverage:
- Rental car loss and damage insurance
- Baggage insurance,
- Trip delay insurance
- Extended warranty coverage
- Purchase protection
Other US Membership Rewards Cards You Might Consider
| Credit Card | Welcome Bonus | Net Value | ||
|---|---|---|---|---|
|
American Express US Business Platinum | 120,000 Membership Rewards | $2,045 | Apply |
|
American Express US Personal Platinum | 100,000 Membership Rewards | $1,505 | Apply |
|
American Express US Personal Gold | 60,000 Membership Rewards | $1,070 | Apply |
|
American Express US Green | 45,000 Membership Rewards | $840 | Apply |
|
American Express Blue Business Plus | 15,000 Membership Rewards | $330 | Apply |
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