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American Express Gold Business Charge Card review
The Amex Business Gold card is a charge card designed to make day-to-day business more rewarding.
You say: ★★★★★We say: ★★★★★
Up to 54 days
Interest-free each billing period
Earn 1 point
per £1 spent
Up to 20,000 points
Intro bonus
Details
Network | Amex |
---|---|
Annual/monthly fees | Year 1 - £0, Year 2 onwards - £175 |
Purchases | N/A (this product is a charge card). |
Purchases interest-free period | Up to 54 days |
Maximum credit limit | Not specified |
Additional cards available | 99 |
Incentive | Earn 20,000 Membership Rewards® points when you spend £3,000 in first 3 months of Cardmembership. Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn 10,000 extra Membership Rewards® points when you spend £20,000 per quarter. |
Additional Rewards Info | Earn one additional bonus point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel. Access over £500 of the best discounts on business essentials and £100 statement credit at Dell Technologies. |

Review by
Chris Lilly
chris.lilly@finder.comChris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
Expert review
If, like most SMEs, your business has a fairly irregular cash flow, then a business charge card can boost your spending power and offer some stability.
With a charge card, you’re expected to pay your balance in full every month. Provided you do that, with this card you’ll be able to take advantage of up to 54 days of 0% interest on purchases each billing cycle (although there are fees to pay if you fail to clear your balance). The benefits of charge cards include flexibility with payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and, in many cases, rewards on your spending.
The primary benefits of this card include travel accident insurance up to £250,000 (subject to enrolment and provided you use your Gold Business Card to book your travel tickets) and the opportunity to earn Membership Rewards points as you spend (you’ll also enjoy a hefty bonus on sign-up).
The option of additional cards enables you to extend benefits to colleagues and employees and easily keep track of business expenses. What’s more, unlike some of its competitors, American Express won’t charge you extra for additional cards.
Pros and cons
Pros
- Up to 54 days to spread the cost of purchases (provided you pay off your balance in full each month)
- Customers report excellent customer service when dealing with American Express
- Earn points on day-to-day spending
- Up to 20,000 points introductory bonus
Cons
- No fee for the first year, £175 annual fee thereafter
- Applicants with low credit scores are unlikely to be eligible
- 2.99% non-sterling transaction fee
How does it compare with other business cards?
How to apply for the American Express Gold Business Card
If you've compared cards and settled on the American Express Gold Business Card, you can head over to American Express's secure online application to apply. Don't forget, you'll need to be over 18 and a UK resident to apply.
Frequently asked questions
How much does it cost to use the American Express Gold Business Card abroad?
Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£171.67), it'll cost you around £5.13 in fees.
Can I get additional American Express Gold Business Cards for my team?
Yes, you can request up to 99 more. There's no fee for additional cards. Plus, with additional cards, you could earn points at a faster rate.
What’s the difference between a charge card and a credit card?
A charge card is similar to a credit card, but has no set spending limit. You can generally spend whatever you want, but will need to pay off your entire balance each month to avoid heavy fees. Most charge cards also require you to pay an annual fee.
What happens if I don’t pay off my balance?
If you fail to pay off your balance, you’ll likely be charged a late fee and may even lose your card.
What is the spending limit?
There’s no set spending limit on the Amex Gold Business card.
Finder credit card ratings
Our experts score business credit and charge cards to determine their value against similar products on the market. We look at a number of important factors, like the flexibility it offers, any rewards you can earn through company spending, account management tools, plus the potential costs involved with running the card both in the short and longer term.
You can read more about our scoring criteria on our credit card methodology page.