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The American Express® Business Gold Card received a major refresh in late 2023: a higher annual fee, bigger credits, and a new 3X travel multiplier. The calculator below will break down exactly who should consider it in 2025, how the 4X categories work, what the new credits are worth, and how much monthly spend you need to justify the annual fee.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Rates & fees.
American Express® Business Gold Card Calculator
Ask Sebby crunches the numbers for you to calculate the Expected Value of the American Express® Business Gold Card. For the expected value of points, we derive the approximate dollar value based on the numbers you enter in the calculator. Scroll down to the end of the post to see our methodology.
The calculator below contains default figures and serve as an example only. Users should insert their own data for the most accurate results.
Welcome Offer
American Express has a “once in a lifetime” welcome offer rule. To qualify for this offer, you must not currently have the card and/or have received a previous American Express® Business Gold Card welcome offer.
You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of these Cards.
If you attempt to apply and you are greeted with a pop-up that says you aren’t eligible for the welcome offer, then you will not receive one.
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American Express® Business Gold Card: Worth It?
Calculation Methodology
The results from the above calculator are based on your ability to reach the minimum spend requirement to earn the welcome offer, your amount of spend on different categories, how you plan to redeem American Express Membership Rewards, and how much relative value you assign to the other benefits.
The “Years” referenced in the calculator refer to the cardmember year, based on when you are approved for the card.
- Year 1 = first 12 months of card membership
- Year 2 = the following 12 months afterward
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