Business Gold Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Business Gold earns 4.0X on top_2_categories, 1.0X on all_purchases with a $375 annual fee. The current signup bonus is 100,000 points (worth $1,000 at portal rates) after $15,000 spend. Points transfer 1:1 to airline and hotel partners.
3.7/5
Overall
4.9/5
Rewards
4.0/5
Benefits
1.0/5
Value
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| top_2_categories | 4X pts/$ | 4.00¢ | Varies |
| all_purchases | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Signup Bonus Value
100,000 points AMERICAN_EXPRESS Points
Spend $15,000 in first 3 months
Cash / statement credit$1,000
Portal redemption (1.00¢/pt)$1,000
Maximum value$1,000
Benefits
Baggage Insurance Plan
$3,000
Car Rental Loss and Damage Insurance
Included
Purchase Protection
$10,000
Extended Warranty
Included
Return Protection
$300
Effective Annual Fee
Annual fee–$375
Net annual cost–$375 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by AMERICAN_EXPRESS and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- Signup bonus worth up to $1,250
- 4X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
Weaknesses
- $375 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
International Travelers
No foreign transaction fees
Frequently Asked Questions
Is the Business Gold worth $375/year?
For moderate spenders, generally yes. The Business Gold offers rewards and benefits that typically exceed the $375 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Business Gold?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Business Gold?
The current signup bonus is 100,000 points. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.