American Express® Business Gold Rewards Card
American Express · AMEX
The American Express® Business Gold Rewards Card is a charge card from American Express on the AMEX network. It has an annual fee of C$199. It earns 1x on everything else. The welcome offer is Earn a Welcome Bonus of up to 90,000 Membership Rewards® points. Get the freedom and flexibility to choose how you support your goals – with rewards and benefits that can help back them up. * This offer is currently available to you on this webpage. Your eligibility for this offer can change at any time. Excludes offers that may be available to limited groups in select channels. Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Key facts
- Annual fee
- C$199
- Purchase APR
- 21.99% on Flexible Payment Option balances
- Network
- AMEX
- Welcome offer
- Earn a Welcome Bonus of up to 90,000 Membership Rewards® points. Get the freedom and flexibility to choose how you support your goals – with rewards and benefits that can help back them up. * This offer is currently available to you on this webpage. Your eligibility for this offer can change at any time. Excludes offers that may be available to limited groups in select channels. Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 1x | 1X points On everything |
Benefits and perks
- Up to $100 in statement credits annually with Dell. Until December 31, 2026, shop with Dell and earn up to $50 in statement credits every 6-month period. That's up to $100 in statement credits annually.
- Quarterly Purchase Bonus Earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card. That could add up to $400 in value every year.
- Enjoy financial flexibility that offers you more control Your Card comes equipped with business sized purchasing power that adapts based on your spending habits and needs. This is coupled with flexible payment options so you can make payments on your own terms.
- Dynamic purchasing power Enjoy purchasing power that adjusts to your Card usage, with the ability to grow over time if you pay on time and maintain a good credit history.
- Maximize your cash flow Benefit from up to 55 interest-free days so you keep more cash on hand when you need it most.
- Earn 1X the points on everything From office supplies and software to professional services and utilities, earn 1 point for every $1 in Card purchases.
- Up to $120 in statement credits with Instacart Enjoy groceries and more delivered with Instacart and earn up to $120 in statement credits within a 12 month period until December 31, 2027.
- Earn 10,000 bonus points each quarter when you charge $20,000 to your Card
- With Flexible Payment Option, you have options when paying your balance
- Maximize cash flow with up to 55 interest-free days
Rates and fees
Annual membership fee: C$199. Purchase APR: 21.99% on Flexible Payment Option balances, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the American Express® Business Gold Rewards Card
What is the annual fee on the American Express® Business Gold Rewards Card?
The American Express® Business Gold Rewards Card has an annual fee of C$199.
What rewards does the American Express® Business Gold Rewards Card earn?
The American Express® Business Gold Rewards Card earns 1x on everything else.
Is the American Express® Business Gold Rewards Card worth it?
The American Express® Business Gold Rewards Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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