Amex Business Gold: apply or wait?
Offer data captured July 3, 2026 from American Express. Card facts verified July 3, 2026.
Today's public offer
100,000 Amex Membership Rewards points after $15,000 in 3 months — its standard level.
What gates this card
- Duplicate holdings: the check stops if you already hold this exact card.
- Amex once-per-lifetime: Amex welcome offers are generally once per lifetime per card product; a prior bonus on the same card blocks re-earning it.
- Minimum-spend feasibility: $15,000 over 3 months ($5,000 per month) against your stated spend.
The first-year math
- Annual fee
- $375.
- Credits counted at usable value
- $0 before your spend is supplied.
- Break-even
- $375 after usable credits.
- Cash framing
- $225 in first-year value.
- Transferable points framing
- $1,625 in first-year value.