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American Express Business Gold
AMERICAN EXPRESSBUSINESS

American Express Business Gold

4 credits worth $845 at face value against an $375 annual fee. 3 of them pay nothing until you enroll.

UPDATED OCT 20264 CREDITS TRACKED3 NEED ENROLLMENT
ANNUAL FEE
$375/ year
Credits at face value$845
Break-even44%
Track these credits free →

Open the full American Express Business Gold calculator →

All 4 credits, by how often they reset

Monthly

2 CREDITS · $395 / YR
Flexible Business Credit$20
12 × $20 = $240
ENROLL
Up to $20 in statement credits each month on eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com, for up to $240 per calendar year. Enrollment required.
Walmart+ Subscription Credit$13
12 × $13 = $155
AUTO
Up to $12.95 plus applicable taxes back each month when you pay for a monthly Walmart+ membership with your card. Plus Ups are excluded. Enrollment required.

Once a calendar year

2 CREDITS · $450 / YR
Squarespace Annual Credit$150
$150
ENROLL
Up to $150 in statement credits per calendar year on purchases made directly with Squarespace on squarespace.com or acuityscheduling.com.
ChatGPT Business Credit$300
$300
ENROLL
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required. Subscription renews automatically.
THE PART PEOPLE MISS3 of 4 credits pay nothing until you enroll

That’s $690 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

ChatGPT Business Credit$300
Flexible Business Credit$240
Squarespace Annual Credit$150

All of them live in the Benefits section of your issuer’s website.

Recent updates

VIEW ALL
ADDED
May 12, 2026

Amex launched a $25/month ChatGPT Business statement credit on the Business Gold Card starting May 12, 2026. Covers ChatGPT Business subscriptions purchased directly from OpenAI. Two-seat minimum required.

ChatGPT Business CreditRead more →

How it compares

Frequently asked questions

What is the American Express Business Gold annual fee?

The American Express Business Gold has an annual fee of $375. This is a business credit card.

Is the American Express Business Gold worth it?

The American Express Business Gold offers $845 in annual benefits with a $375 annual fee, for a net value of $470. It can be worth it if you use the key benefits like ChatGPT Business Credit, Flexible Business Credit, Walmart+ Subscription Credit.

What benefits does the American Express Business Gold include?

The American Express Business Gold includes 4 benefits, including ChatGPT Business Credit ($300/year), Flexible Business Credit ($240/year), Walmart+ Subscription Credit ($155/year), Squarespace Annual Credit ($150/year).

Who should get the American Express Business Gold?

The American Express Business Gold is ideal for people who spend on business services and can maximize the $845 in annual benefits to offset the $375 annual fee.

Can I get the American Express Business Gold as a personal card?

The American Express Business Gold is a business credit card. Check with Amex to see if there's a personal version of this card.

What statement credits does the American Express Business Gold have?

The American Express Business Gold includes 4 statement credits: ChatGPT Business Credit, Flexible Business Credit, Walmart+ Subscription Credit, Squarespace Annual Credit. Together they provide $845 in annual value.