The American Express® Business Gold Card

Key facts

Annual fee

£195

Purchase APR

29.1% p.a. (variable) (applies if you choose to use a line of credit via Flexible Payment Option).

Network

AMEX

Welcome offer

Earn 20,000 Membership Rewards® bonus points when you spend £3,000 in the first three months of Cardmembership. Terms apply. Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. Subject to status. This new Cardmember offer is only available if you don’t currently have an American Express® Business Card that earns Membership Rewards points, and haven’t had one in the last 24 months.

Benefits and perks

• Earn 1X point for every eligible £1 spent. For every eligible £1 you spend on your Card, you'll earn 1 Membership Rewards point – and there's no limit, so you can stack up the points to your heart's content, as long as your Account is open and up to date. The same goes for Employee Cards on the Account, so your employees’ spending will keep the rewards coming in.
• Earn 2X points for every £1 spent on American Express Travel. ​Earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel Online. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges.
• Spending Power. Your Card’s spending limit – the amount your business can spend – is dynamic and can adjust to your business needs. To help maximise your spending limit, you can start spending and repaying the balance as soon as your get your Card, earning Rewards as you go. You can make repayments multiple times within your Billing Cycle, there’s no need to wait.
• Streamlined accounting tools. American Express has you covered for all your expense management needs. Just use your MYCA Account to create expense reports and export your data to QuickBooks and Xero.
• Over £200 a year in partner discounts. American Express Business Gold brings discounts with providers of goods and services popular with many small businesses, via enrolment through Amex offers.
• Spend online at Indeed to get up to £50 back, every 3 months. Save this benefit to your Card and spend online at uk.indeed.com to get 100% back on qualifying purchases up to a maximum of £50 back. The benefit resets every 3 months. Terms, purchase restrictions and future communications about this benefit will apply.
• 15% Superscript statement credit once per year. Save this offer to your Card to get a 15% statement credit when you spend any amount in a GBP transaction on business insurance online at Superscript. Terms and payment restrictions will apply. This offer is subject to change at any time. The offer resets every calendar year.
• 24/7 Global Assist® hotline. If you're away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.
• Emergency Card Replacement. No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.
• 24-hour Business Account management. 24-hour online business Account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card. You can also access the most important Account information when you're on the go via our Online Account, or as a downloadable app for iPhone and Android devices.
• Travel Accident and Travel Inconvenience Insurance. On the move? You're protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200. Limitations and exclusions apply.
• Purchase protection. Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it's stolen or damaged within 90 days of purchase, we'll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.
• Refund protection. Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won't refund you, we'll replace or refund you up to a maximum of £300.

Questions about the The American Express® Business Gold Card