Illustration, not the actual card design.
Amex · Earns Amex Membership Rewards points · Business card
American Express Business Gold Rewards Card
Annual fee
$199
Welcome offer
Up to 70,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $7,500 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$301
+$500 welcome bonus
+$0 yearly credits
−$199 fee
Year 2
$1
+$200 welcome bonus
+$0 yearly credits
−$199 fee
Every year after
−$199
Costs $199 a year until your spending covers it.
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Only for new American Express Business Gold Rewards Card Cardmembers. If you are a current or former Cardmember, Amex may still approve you, but you won't get these offers.
70,000 points: worth $700 at 1¢ a point, or up to $1,540 on travel (2.2¢ a point). How that works
- 1Spend $7,500 in your first 3 months50,000 pts≈ $500 est.Year 1
- 2Spend $30,000 by your 12-month anniversary20,000 pts≈ $200 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Amex Membership Rewards points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Everything else | 1 pt per $ | 1¢ |
What else you get
No perks on file for this card yet. Spot one we missed? Tell us.
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Amex. Card and program names belong to their owners.
Details last checked Oct 11, 2026.