Business Gold

Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions.

Up to $20 in statement credits monthly for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores.

Up to $150 in statement credits per calendar year on U.S. purchases with Squarespace.

Earn 1X Membership Rewards points on all other eligible purchases.

Earn 3X Membership Rewards points on flights and pre-paid hotels booked on AmexTravel.com.

Earn 4X Membership Rewards points on the 2 categories where your business spends the most in each billing cycle from 6 eligible categories, on up to $150,000 in combined purchases each calendar year, then 1X.

Earn 200,000 Membership Rewards points after you spend $15,000 in eligible purchases on your Card within the first 3 months of Card Membership.

Reimbursement for repair or replacement of damaged or stolen cell phones up to $800 per claim, with a $50 deductible, up to 2 claims per 12-month period.

Covers eligible purchases for up to 90 days against theft or accidental damage, up to $1,000 per purchase and $50,000 per account per calendar year.

Up to $12.95 plus applicable taxes back each month for a Walmart+ membership.

Extends the terms of the original manufacturer's warranty by up to one additional year on eligible warranties of 5 years or less.

Receive a $100 credit for eligible charges and room upgrade upon arrival (when available) on qualifying stays of at least two nights booked through AmexTravel.com.

Coverage for lost, damaged, or stolen baggage when the entire fare is charged to the card, up to $1,250 for carry-on and $500 for checked baggage.

Secondary coverage for damage or theft of a rental vehicle when the entire rental is paid for with the card and the rental company's CDW is declined.

Reimbursement for certain additional expenses if a trip is delayed more than 12 hours for a covered reason, up to $300 per trip.