June 16, 2024

Our evaluations and opinions will not be influenced by our promoting relationships, however we might earn a fee from our companions’ hyperlinks. This content material is created independently from TIME’s editorial employees. Study extra.

The card_name generally is a good alternative for enterprise homeowners who spend lots in classes that change over time, principally as a result of it affords its highest incomes fee (4x factors) on as much as $150,000 per 12 months in spending throughout two classes you spend essentially the most in every month. This implies you’ll be able to earn extra bonus rewards in numerous classes from one billing cycle to the subsequent, which basically helps you to customise the way you earn rewards over time.

The annual_fees annual price ($375 starting Feb. 1, 2024) on this card is steep, however the welcome bonus can entice you into making an attempt out its perks and rewards for the primary 12 months. In any case, new cardholders can earn 70,000 Membership Rewards® factors after spending $10,000 on eligible purchases with the Enterprise Gold throughout the first three months of card membership.

American Specific® Enterprise Gold Card

Bonus rewards full


Credit score rating wanted


Common APR


TIME’s Take 

The card_name is exclusive amongst enterprise bank cards from Amex and different issuers, because it bases your rewards fee on the classes wherein your online business spends essentially the most. This card additionally earns versatile Amex Membership Rewards factors for journey that may be pooled with different American Specific bank cards. 

This makes it a superb companion card for enterprise homeowners to pair with the card_name or the card_name for private spending. That mentioned, the annual price on the card_name is on the excessive aspect, particularly when you think about the restricted perks that include it. 

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Execs and cons


  • Sizable welcome bonus
  • Earns 4x factors in well-liked spending classes over time
  • Earns 3x factors on eligible journey purchases
  • As much as $395 in obtainable assertion credit per 12 months
  • Earns versatile Amex Membership Rewards factors for journey
  • Comes with a couple of journey insurance coverage advantages
  • No preset spending restrict


  • Excessive annual price of annual_fees ($375 starting Feb. 1, 2024)
  • Has a $150,000 spending cap in prime bonus categorieseach 12 months
  • No luxurious journey advantages
  • Assertion credit generally laborious to make use of
  • Requires good to wonderful credit score
  • Should pay in full for some purchases
  • No steadiness switch choice

Who’s the cardboard for?

The card_name is for enterprise homeowners who’ve good to wonderful private credit score, and it is best for individuals who wish to earn versatile rewards for journey. We are saying this as a result of Amex Membership Rewards supply the very best redemption charges for airfare booked via AmexTravel.com. Additionally, factors switch to a variety of Amex airline and lodge companions that unlock extra premium journey redemptions.

Whilst you can redeem Amex Membership Rewards factors for choices apart from journey, you must know that these redemption charges aren’t nice. For instance, Amex factors are solely value 0.6 cents every when redeemed for assertion credit and 0.5 cents every if redeemed for merchandise via Amex. Additionally be aware that journey redemptions apart from airfare aren’t that nice. For instance, utilizing factors for accommodations or automotive leases via AmexTravel.com will solely get you 0.7 cents per level in worth.

Enterprise homeowners who do not thoughts their bonus rewards classes altering over time will even profit essentially the most from this card however provided that their regular spending aligns with the obtainable qualifying 4x rewards classes. Included assertion credit provided with the card_name for Walmart+ membership, FedEx, Grubhub, and office-supply shops additionally make it a stable alternative for enterprise homeowners who can use them.

Because the card_name does not have a preset spending restrict, it could possibly additionally work properly for corporations which have a variety of enterprise purchases every month and wish loads of buying energy. Nevertheless, you might want to know that this card solely lets customers pay for a few of their purchases over time; others should be paid in full when the billing cycle ends.

Rewards fee

The card_name affords an elevated rewards fee of 4x factors on as much as $150,000 spent every year in your two hottest spending classes every billing cycle (then 1x factors). Classes that may qualify for 4x factors embrace:

  • Purchases at U.S. media suppliers for promoting in choose media (on-line, TV, radio).
  • U.S. purchases constructed from electronic-goods retailers and software program and cloud system suppliers.
  • U.S. purchases at eating places, together with takeout and supply.
  • U.S. purchases at gasoline stations.
  • Transit purchases, together with trains, taxicabs, rideshare companies, ferries, tolls, parking, buses, and subways.
  • Month-to-month wi-fi phone service prices made straight from a wi-fi phone service supplier within the U.S.

The cardboard additionally earns:

  • 3x factors on pay as you go airfare and lodge stays booked via AmexTravel.com.
  • 1x factors on different purchases.

The nice print

In terms of the nice print on this enterprise bank card, you must know that the card_name requires some purchases to be paid in full every billing cycle, although others could be paid off over time. Different charges and prices can apply relying on how you employ the cardboard.

  • There may be an annual price of annual_fees ($375 as of Feb. 1, 2024).
  • The Pay Over Time characteristic has an annual share fee (APR) of 19.49% to 27.49% variable.
  • There are foreign_transaction_fee foreign-transaction charges.
  • There’s a late fee price of late_payment_fee.
  • There’s a returned fee price of $39.

Observe that this enterprise bank card does not permit steadiness transfers of any variety, whereas another enterprise bank cards do supply this feature (albeit with excessive variable APRs). 

Further hidden perks

We talked about that this card comes with as much as $395 in assertion credit score affords every year, however you will wish to know the nice print on these affords and the way and when the credit apply. Different hidden advantages are additionally defined beneath.:

  • Versatile enterprise credit score of $240. This credit score is nice for purchases at FedEx, GrubHub and workplace provide shops every year. Nevertheless, credit are given out in month-to-month increments of $20, and so they do not roll over for those who do not use them. 
  • Walmart+ membership credit. Cardholders robotically rise up to $155 in annual credit towards Walmart+ membership charges every year after they enroll in this system.
  • Cellphone safety. This protection applies if you pay your telephone invoice along with your card and is value as much as $800 (topic to a $50 deductible). As much as two claims per 12-month interval are allowed.
  • Journey delay insurance coverage. This protection can reimburse you for incidental bills that happen when a visit is delayed for 12 hours or longer.
  • Baggage insurance coverage plan. Get protection value as much as $1,250 for carry-on baggage and as much as $500 for checked baggage when journey with a standard provider is charged to the cardboard.
  • World Help hotline. Name into this emergency hotline for medical and authorized referrals, emergency translation companies, and extra if you’re touring away from house.
  • The Lodge Assortment. Qualify for a $100 expertise credit score, room upgrades primarily based on availability, and different advantages if you use your card to guide an eligible stick with this program.
  • Buy safety. Qualify for buy safety towards injury or theft for 90 days from the acquisition date on eligible objects. This protection is value as much as $1,000 per prevalence and as much as $50,000 per card account per 12 months.
  • Prolonged warranties. Qualify for an extra 12 months of prolonged guarantee protection on eligible purchases that include a producer’s guarantee of 5 years or much less.

What might be improved?

The incomes charges on the card_name are positively spectacular, however that is principally true for companies that make purchases within the six classes which are eligible for 4x factors. The $150,000 annual spending cap for these bonus rewards can be moderately limiting for companies which have massive bills every year. And whereas the cardboard affords 3x factors on pay as you go airfare and accommodations, this bonus fee solely applies to journey purchases made via Amex.

The excessive annual price on this card can also be a giant downer, particularly because the assertion credit provided will not be simple or lifelike to make use of. If you’re searching for a enterprise bank card that earns versatile rewards for journey with a decrease annual price, you must look into the card_name and the card_name. Each have decrease annual charges (annual_fees for the card_name and annual_fees for the card_name) and earn versatile rewards that can be utilized to guide journey via a portal or transferred to airline and lodge companions.

Card options

Backside line

Should you spend some huge cash on this card’s 4x level classes every year, signing up for the card_name may assist you to maximize rewards over time. Should you can make the most of the assertion credit this card affords each single month, it could possibly additionally assist make up for the cardboard’s excessive annual price.

That mentioned, there are different enterprise bank cards with totally different incomes charges and perks to think about for those who’re nonetheless on the fence. Make sure that to check different prime enterprise bank cards primarily based on their rewards charges, welcome affords, perks, and charges to search out the precise match.

American Specific® Enterprise Gold Card

Bonus rewards full


Credit score rating wanted


Common APR


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Continuously requested questions (FAQ)

Is the card_name laborious to get?

The card_name requires candidates to have good to wonderful private credit score to qualify, so it will not work for everybody. 

What are the advantages of the card_name ?

The cardboard comes with a $240 versatile enterprise credit score every year, as much as $155 in annual Walmart+ membership credit, cellphone safety, journey delay insurance coverage, baggage insurance coverage, buy safety, prolonged warranties, and a handful of different perks.

Is the card_name value getting?

The card_name is value getting primarily based on its welcome bonus alone. In any case, the bonus factors you’ll be able to earn could be value as much as 2 cents every or extra (on the time of write: 70,000 factors for a complete worth of greater than $1,400) for those who switch to companions and make a premium journey redemption.

How a lot is the annual price for the card_name ?

The annual price on the card_name is annual_fees. Nevertheless, this price goes as much as $375 beginning Feb. 1, 2024.