This card's bonus rewards program adjusts to your business's spending habits, which is a no-fuss way to supercharge your rewards. There's no preset spending limit on the card itself, and the bonus categories have a high spending cap, which could help if you need room to make a lot of purchases and earn rewards on them. The annual fee is $295, which is a bit more affordable than what you'll pay for The Business Platinum Card. If your expenses vary from month to month and you plan to take advantage of the ZipRecruiter Standard and G Suite Basic benefits, this card could be a good fit for your business.
Ongoing rewards: You’ll be earning points on any employee cards you set up, for a number of different business expenses including travel, computer equipment, shipping, and advertising, which could go a long way in helping you get your business off the ground. Specifically, you’ll get 4 Membership Rewards points on up to $150,000 in combined purchases in two categories where your business spent the most each billing cycle—so if your business spends $150,000 on, say, computer equipment and online advertising, the primary account will receive 600,000 points to spend in the Membership Rewards portal, or cash out into your bank account. After that, you'll earn 1 point per dollar spent. If you book flights using points at American Express Travel, you'll get 25% of them back. The bonus categories include:
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
Perks: You can earn a welcome bonus of 35,000 Membership Rewards points after spending $5,000 within three months of account opening. Plus, you'll get up to one year free of G Suite Basic—think business Gmail, Google Docs, and Google Sheets—for up to three users. You’ll also get up to one year of ZipRecruiter Standard in the form of statement credits in your first 12 months of card membership, to help you get staffed up. As far as expense management goes, the card allows you to set up employee cards with customizable spending limits, transfer data from your American Express online statement directly into your QuickBooks account, and use the Spend Manager app to add receipts and notes to your transactions.
Learn more about the Business Gold Rewards Card from American Express