Earning Rates

The American Express Business Gold Rewards Card earns Membership Rewards points at the following rate:

  • 1 point for every $1 spent on all card purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the American Express Business Rewards Gold Card:

  • Bonus Points Quarterly: Earn 10,000 bonus points each quarter when you charge $20,000 in net purchases to the card — that's up to 40,000 bonus points each calendar year.
  • The Hotel Collection: Stay two or more consecutive nights at participating properties with The Hotel Collection and receive up to $100 USD hotel credit, a one-category room upgrade at check-in (when available), 12pm check-in (when available), and late check-out (when available).
  • Hertz Benefits: Enroll into the Hertz Gold Plus Rewards program and enjoy a discount off the standard rates, one car class upgrade on rentals of 5 or more consecutive days, and fee-waived for one additional driver.
  • Travel & Purchase Insurance: Car Rental Theft and Damage Insurance, Lost or Stolen Baggage Insurance, Hotel Burglary Insurance, Flight Delay Insurance, Baggage Delay Insurance, Travel Accident Insurance, Employee Card Misuse Protection, Mobile Device Insurance, Purchase Protection® Plan, and Buyer's Assurance® Protection Plan.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The American Express Business Gold Rewards Card has a $199 annual fee.

If you're a heavy spender and can earn the 10K bonus points each quarter by meeting the $20K spend requirement, you'll more than make up for this fee since 40K points are worth at minimum $400 towards travel.

Authorized User Fee

Adding additional Business Gold Rewards Cards will cost you $50 per card, annually.

Foreign Transaction Fee

The American Express Business Gold Rewards Card has a foreign transaction fee of 2.5%. This means you will be penalized when using the card to make purchases that are not in Canadian Dollars.