American Express Business Gold Card: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

American Express Business Gold Card is a choose-your-category card: its bonus rate applies to the category you pick, and everything else earns 1x points. Our data lists the base only, because the bonus is your choice, not the bank's. We value Amex Membership Rewards at 1.8¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $375.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1x points	1¢ cash · 1.8¢ travel
Supermarkets	1x points	1¢ cash · 1.8¢ travel
Gas stations	1x points	1¢ cash · 1.8¢ travel
Travel	1x points	1¢ cash · 1.8¢ travel
Online shopping	1x points	1¢ cash · 1.8¢ travel
Drugstores	1x points	1¢ cash · 1.8¢ travel
Transit & rideshare	1x points	1¢ cash · 1.8¢ travel
Streaming	1x points	1¢ cash · 1.8¢ travel
Everything else	1x points	1¢ cash · 1.8¢ travel

Travel value uses 1.8¢ per point for Amex Membership Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
Flexible Business Credit	$20 monthly · enrollment required	$240 / yr
ChatGPT Business Credit	$300 yearly · enrollment required	$300 / yr
Squarespace Credit	$150 yearly · enrollment required	$150 / yr
Walmart+ Credit	$12.95 monthly · enrollment required	$155.4 / yr

Tick the ones you would use and get the fee verdict →

See it against the rest of your wallet →

How RightCard handles this: add the American Express Business Gold Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the American Express Business Gold Card earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the American Express Business Gold Card earn on everything else?

1x points on purchases outside its bonus categories.

Is the American Express Business Gold Card's $375 fee worth it?

Only if the credits and rewards you would actually use add up to more than $375 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are American Express Business Gold Card points worth?

About 1.8¢ each toward travel by our conservative estimate for Amex Membership Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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