Business Gold
Credits 4
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $845.40 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $20 per month on eligible U.S. purchases at Grubhub (and Seamless), U.S. office supply stores and shipments paid on UPS.com. UPS.com replaced FedEx on Oct 1, 2026; UPS Store and other in-person UPS charges don't count.
Covers one monthly Walmart+ membership: up to $12.95 plus applicable local sales tax each month when paid with the card. Plus Ups, Walmart Business+ and annual Walmart+ plans don't qualify.
Every year
Up to $300 per calendar year on U.S. purchases of ChatGPT Business made directly with OpenAI. Added May 12, 2026, and subject to auto-renewal.
Up to $150 per calendar year on U.S. purchases made directly with Squarespace, including its Acuity Scheduling service. Added Oct 2025.
Perks 1
Benefits you use rather than credits that post to your statement.
$100 credit toward eligible on-property charges, plus noon check-in, 4pm late checkout and a room upgrade when available, on 2+ night stays booked through Amex Travel.
Also included
- No foreign transaction fees
- Cell phone protection (up to $800/claim, $50 deductible)
- Trip delay insurance (12+ hrs, up to $300/trip)
- Baggage insurance
- No preset spending limit / Pay Over Time
Before you apply
American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.
One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.
You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.
Never miss one of these credits
Add the Business Gold to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.