American Express Business Gold Card Review With Pro And Cons – 14 Points

1. American express business gold card worth $295 annual fee, If you plan to use G Suite and/or ZipRecruiter perks, If you spend significant amount and your spending is centered in some of the six categories for 4x rewards.

2. Reward Rate:

Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
Categories:
Airfare purchased directly from airlines.
U.S. purchases for advertising in select media (online, TV, radio).
U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions.
U.S. purchases at gas stations.
U.S. purchases at restaurants.
U.S. purchases for shipping.
1 point per dollar on other purchases

3. Sign Up Bonus:

35,000 points if you spend $5,000 in first 3 months

4. Annual Fee:

$295

5. Regular Apr:

16.49% – 24.49% Variable APR

6. Intro Apr:

N/A

7. Credit Needed:

690- 850 Good to Excellent

8. Pros:

No foreign transaction fee
25% bonus on points redeemed for eligible purchases through the American Express Travel portal.
You can transfer points to 16 partner airlines.
One year G Suite by Google Cloud membership for up to three users.(Worth $216).
One year free of ZipRecruiter (Worth $2988)
Pay Over Time Option
Sign up bonus 35000 points (Worth $595)

9. Cons:

$295 annual fee
Need excellent credit

10. Other Benefits:
Pay Over Time
A year-long free subscription to G Suite Basic for up to three users.(Worth $216)
A year-long free subscription of ZipRecruiter Standard. (Worth $2988)
25-percent bonus when you redeem points for eligible travel purchases, including airfare, through the American Express Travel portal.
Working capital and short-term business loans
$50 flat fee to add employee cards
Premium roadside assistance
Purchase protection
Baggage insurance
No preset spending limit
Set limits on employee cards

11. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.3/5
Apple Store mobile app rating: 4.9/5

12. Airline and Hotel Point Transfer Partner:

Airlines
Aer Lingus Aer Club, AeroMexico Club Premier, Air Canada Aeroplan, Air France/KLM Flying Blue, Alitalia MilleMiglia, ANA Mileage Club, Avianca LifeMiles, British Airways Executive Club,Cathay Pacific Asia Miles,Delta SkyMiles, El Al Matmid, Emirates Skywards, Etihad Guest, Hawaiian Airlines HawaiianMiles, Iberia Plus, JetBlue TrueBlue, Qantas Frequent Flyer, Singapore Airlines KrisFlyer,Virgin Atlantic Flying Club

Hotel:
Choice Privileges,Hilton Honors, Marriott Bonvoy

13. Why you should get American Express Business Gold Card:

If you can benefit from G Suite and/or ZipRecruiter perks.
If your spending is centered on some of six categories for 4x rewards.
If you want a card with travel benefits with option to manage cash flow.

14. Do not get this card:

If you are not going to spend a lot.
If you want cash back over points.
If you do not like high annual fee.
If you want bigger sign up bonus.
If you want 0 % intro apr.

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