American Express Business Gold Plus Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Overall Rating

A refresh of the Amex Gold Business Card, the Amex Business Gold Plus Card has been updated with new features that can help save money and make business easier. While the annual fee has gone up, it delivers a lot more in return: bonus points on your spending, credit back to your account when you spend with with selected merchants, travel benefits and tools to streamline your accounts.

Editor’s Review: What I love about the American Express Business Gold Plus Card

The new features have given this card a nice boost. Let's start with the bonus points and the points you can earn on your spending, which Amex has dubbed accelerated earning because you can earn bonus points with particular purchases.

Bonus points: The 150,000 Amex Membership Rewards points are earned when you spend at least $5000 on eligible purchases using your Amex Business Gold Plus Card within 3 months of your approval date. This offer ends 11 February 2025. Points are awarded to the primary cardholder 8 to 10 weeks after you've met the criteria. Just note this offer is only available if you haven't held an Amex card in the preceding 18 months. Other terms and conditions apply.

Accelerated points per dollar:

Note: Once your account has earned a total of 200,000 points in a calendar year (including points earned on employee cards), earning accelerated points stops and you'll earn 1 point for every $1 across all categories. The 200,000 points threshold resets every year on 1 January (not when your card renews). Points are uncapped and have no expiry date, which is a nice bonus. The 150,000 bonus points don't count towards the 200k threshold.

Other business extras and perks

This charge card is very B2B-focused and gives you a number of ways to save money or simplify your accounts. I'll start by outlining the $100 credit back to your account when you spend with eligible merchants, then look at other business features.

How does the $100 credit work?
Each calendar year, you'll earn $100 credit back to your account on these brands when you spend $100 in one or more transactions online. Your $100 can be made up of multiple smaller transactions (for example, 2 x $50). You can use this benefit once every calendar year until the benefit ends on 31 December 2026. The credit resets every year on 1 January.

The $100 credit back to your account is available when you spend and meet the spend criteria with the following merchants:

• Xero
• Google Ads
• Meta
• Amazon Web Services

In the same vein, you can earn up to $75 back twice a year (once every 6 months between January and June, then July and December) when you upgrade your tech with Dell Technologies. You'll need to enrol to be eligible for this benefit.

Cash flow tools
To help manage your money, you can extend the time between purchases and payment by up to 55 days each statement period. As a charge card, there is no interest applied, unless you choose to use Amex's Flexible Payment Option (FPO). FPO allows you to free-up your cash flow with an instant line of credit. You can choose what portion of your balance to pay off over time1 (up to your FPO Credit Limit) and how long you’d like to take to pay it back. Interest charges apply, as well as other terms and conditions.

*With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Full terms and conditions can be found on the Amex website.

This charge card also comes with Pay Any Supplier functionality (called AccessLine), to make payments easier. You need to apply and be approved to use this feature.

Add employee cards
The first 2 additional cards are complimentary, and then you'll pay $75 p.a. for employee cards after that. You can set spending limits, check on individual spending and lock cards, as well as earn points. Employee cards are made from recycled plastic, while the metal card is reserved for the primary cardholder.

Travel extras

The travel extras revolve around hotels, car hire and insurance. Here's what's included:

Redeeming rewards points

Amex says its Membership Rewards points can be redeemed for almost anything, and they're not wrong. You can use your points for:

What’s not so great

At this point, the $100 annual credit back to your account with selected businesses perk offer expires on 31 December 2026. And, you'll pay $75 per employee card after the first 2 (which are complimentary), which could add up if you have a larger staff.

After you've earned 200,000 points in a calendar year, your earn rate drops to 1 point per $1 across all categories. However, that's still a great earn rate and compares well with other business credit cards.

Who suits the Amex Business Gold Plus Card?

With its focus on B2B perks and travel-related benefits, the Amex Business Gold Plus Card can help small, medium and large businesses. You'll get the most value out of the card if you can use its money-saving perks, such as getting up to $550 credit back to your account with partnering merchants. But, the accelerated points earning that Amex offers on this card can also be a great way to help offset business costs and keep your accounts simple and streamlined.