Gold Business Charge Card card image

American Express Gold Business Charge Card

Advertiser disclosure
Purchase rate
n/a
Balance transfer rate
No current offer
Annual fees
$249
Interest free days on purchases
51
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Mozo editorial review American Express Gold Business Charge Card - last updated: 14 December 2023

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What's hot
  • No pre-set spending limit
  • Earn up to 1.5 Membership Rewards points per $1 spent
  • Spend with Dell and receive up to $75 credit (T&Cs apply)
What's not
  • $169 annual fee
  • $119 per employee card (99 card limit)
  • $80 annual Membership Rewards fee (membership optional)
Mozo snapshot

If you’re a business owner looking for a charge card, the Amex Gold Business Charge Card could be an option with plenty to offer. Plus, there’s the award-winning track record – Amex was crowned 2022 Mozo Experts Choice Credit Card Provider of the Year!

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Key features

The American Express Gold Business Charge Card makes it easy to manage your cash flow, with up to 51 days to pay for your purchases and no pre-set spending limit. Paid off each month, this charge card is a great way to be on top of business expenditure.

With up to 99 employee cards on the same business account, this charge card is an option whether you have 10 employees or 80 ($119 fee applies per employee card). Business owners can manage all these cards from one statement, and rewards points on all cards are pooled - helping you reach that free flight or gift card sooner. 

Earn up to 1.5 points for every $1 spent and 1 point per $1 spent on government bodies. Your business can earn Membership Rewards points on every dollar spent with no limit or expiry and use these to pay off purchases. There is an $80 annual fee to be a part of the Membership Rewards program, but it is one of the most well-known rewards programs for a reason.

Business trips are sure to be a breeze with this card. Amex’s Membership Rewards points can be used for flights, car rental, and accommodation with partners like Webjet and Helloworld. Hertz and Avis also offer exclusive savings, while complimentary travel insurance will keep you and your employees covered (provided they have an Employee card and charge travel expenses to it, other conditions apply). 

Bring the perks back to the office with up to $75 credit when you spend at Dell (offer valid until the 31st of December 2024. T&Cs apply).

Right now, new members can earn 75,000 bonus points when they spend $1,000 on eligible purchases on their Amex Gold Business Charge Card within 2 months of approval (terms and conditions apply).

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Who is it good for

Available to business owners with annual revenue of $75,000 or more, the Gold Business Charge Card is a top pick for anyone who wants to manage their business's cash flow while getting great value rewards.

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Any catches

There are some fees to keep in mind with this charge card - from the $169 annual fee for the primary cardholder to the $119 annual fee for every employee card. In order to access the great rewards, you will also have to join the Membership Rewards program - an additional $80 a year.

Rewards program details

Rates and fees information correct as at 15 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

-

$100 Cash

20,000 points

Points earning

1.5 points per dollar on Amex, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

Earn 1 point per $1 spend at government bodies.

Special offers

Receive 75,000 bonus Membership Points when you spend $1,000 on eligible purchases within 2 months of your approval date. New Card Members only.

Value of rewards points

Spend $13,333 (Amex)

Spend $10,400 (Amex)

Spend $159,467 (Amex)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

n/a

none

No current offer

no

n/a

51

Fees

$169.00

none

none

$80.00

$20.00

n/a

3.00%

$10.00

$7.00

$119.00

Features

n/a

n/a

Up to 99 Employee cards ($119 per Card).

Charge Card. Late payment fee is the greater of $20 or 3% of the overdue amount applies after cash flow days. Transaction verification fee is $10 for charges outside of Australia.

Payment options

Apple Pay, Google Wallet, PayID, Samsung Pay

Rewards privileges

Travel Insurance

Other benefits

Gold Business Card has an optional enrolment fee for the Membership Rewards program, this is $80. Receive up to $75 every year when you buy from Dell Technologies.

Customer Reviews

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