American Express · business · american express
Business Gold Card
Flexible business points: 4x automatically on your top 2 spend categories (to $150k/yr). The $375 fee leans on newer software credits (ChatGPT, Squarespace) — a great earner if your spend matches the categories, meh if it doesn't.
Current public offer
Up to 200,000 Membership Rewards points after $15,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $375
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 4x on your top 2 eligible spend categories (to $150k/yr combined, then 1x); 1x everything else
- 3x flights & prepaid hotels via AmexTravel
Transfer partners
Delta · British Airways · ANA · Air Canada · Flying Blue · Emirates · Hawaiian · JetBlue · Singapore · Virgin Atlantic · Hilton · Marriott · Choice
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.