American Express · American Express

Annual fee

$375

Rewards

Membership Rewards

Earn rates

• 4x Top 2 eligible categories each billing cycle (of 6: U.S. media advertising, U.S. electronic goods retailers and software & cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. monthly wireless telephone service) (up to $150,000/yr) — Page: "4X points are earned on the first $150,000 in combined purchases each calendar year. Continue reading for category details." and "While your top 2 categories may change each billing cycle based on where your business spent the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap."
• 3x Flights & pre-paid hotels booked on AmexTravel.com — Page: "On Flights & Pre-Paid Hotels" / "Booked on AmexTravel.com." No cap stated.

Foreign transaction fee

None

Purchase APR

17.74%–28.49% variable

Issuer rules

• Welcome-offer eligibility: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors."
• Age/residency: "Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents."
• Business-use only: the applicant represents "THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES" and is "jointly and severally" liable with the Company for all charges.
• 4X cap: only the top 2 categories each billing cycle count toward the $150,000 calendar-year cap, then 1X thereafter.
• Employee cards priced separately: "The annual fee for the Employee Business Gold Card is $95 for the first five Cards and $95 for each Card thereafter."

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