In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
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American Express Gold Business Charge Card review

  • Chris Lilly's headshot
American Express Business Gold Card
3.8
★★★★★
Finder score
Interest-free each billing period
Up to 54 days
Earn rate
1 point per £1 spent
Intro bonus
Up to 40,000 points

Our verdict

The Amex Business Gold card is a charge card designed to make day-to-day business more rewarding.
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Finder Awards 2024 highly commended
Customer Satisfaction Award

We chose the American Express Business Gold Charge Card as our top pick for a business rewards card for its introductory points bonus, plus the points earnt on everyday business spending.

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

  • Welcome bonus offer
  • Points on eligible spend
  • No annual fee in year 1

Cons

  • Annual fee applies. Year 1 - £0, Year 2 onwards - £195
  • Applicants with low credit scores are unlikely to be eligible
  • 2.99% non-sterling transaction fee

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

Details

Product Overview

Network Amex
Annual/monthly fees Year 1 - £0, Year 2 onwards - £195
Purchases N/A (this product is a charge card).
Purchases interest-free period Up to 54 days
Maximum credit limit Subject to status
Additional cards available 20
Incentive Get up to 40,000 Membership Rewards® points by earning 4 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
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. Earn up to 90,000 Membership Rewards® annually. Earn 20,000 Membership Rewards® points per approved friend. Earn 10,000 extra Membership Rewards® points when you spend £20,000 per quarter.
Introductory Rewards Get up to 40,000 Membership Rewards® points by earning 4 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
Potential costs 3.4 ★★★★★
Doing its job 4.3 ★★★★★
Extras 4.0 ★★★★★
Overall Finder Score 3.8 ★★★★★

Fees and charges

Minimum monthly payment Full outstanding balance
Annual/monthly fees Year 1 - £0, Year 2 onwards - £195
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Late payment fee £12
Duplicate statement fee £2
Additional card fee £0

Application Requirements

Minimum Age 18
Residency Applicants must have a permanent UK home address.
Additional Criteria The business has a current UK Bank or Building Society account.

How does it compare?

American Express's card

1 - 1 of 1
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Finder Award
OFFER
American Express Business Gold Card
3.8
★★★★★
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 points per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Get up to 40,000 Membership Rewards® points by earning 4 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
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Other popular business cards

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1 - 20 of 33
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Funding Circle Business Cashback Card
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Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
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Capital on Tap Business Credit Card
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£0
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36.19% APR (variable)
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Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 36.19% APR (variable).
Funding Circle FlexiPay Business Credit Card
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★★★★★
0% interest, flat fee per transaction
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N/A
33.4% APR (variable)
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0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months.
Representative example: If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
CASHBACK
Moss Business Cashback Card
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2% cashback for eligible customers, capped at the platform fee.
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
3.7
★★★★★
27.1%
£0
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27.1% APR (variable)
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Get 1% cashback uncapped on all your business spend when you spend at least £2,000 per statement month. T&Cs apply*
Representative example: When you spend £1,200 at a purchase rate of 27.1% (variable) p.a., your representative rate is 27.1% APR (variable).
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Capital on Tap Business Rewards Credit Card
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★★★★★
36.19%
£99 per annum
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59.15% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 59.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Charge Card
3.9
★★★★★
N/A (this product is a charge card).
£42 per annum
N/A
3.6% APR (variable)
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Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
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American Express Business Gold Card
3.8
★★★★★
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 points per £1 spent
N/A (this product is a charge card).
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Get up to 40,000 Membership Rewards® points by earning 4 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
British Airways American Express® Accelerating Business Card
3.8
★★★★★
28.5%
£250 per annum
1.5 Avios per £1 spent
108.4% APR (variable)
Go to siteCard details
Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).
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American Express Business Platinum Card
3.8
★★★★★
N/A (this product is a charge card).
£650
1 points per £1 spent
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Get up to 80,000 Membership Rewards® points by earning 8 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
Barclaycard Premium Plus Credit Card
3.9
★★★★★
0% for 6 months reverting to 19.9%
£150 per annum
0.5% cashback uncapped*
56.4% APR (variable)
Go to siteCard details
*Get 0.5% cashback on your business spend up to £400 per year and benefits for using your card for day-to-day business and travel. £150 a year. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 56.4% APR (variable).
The Co-Operative Bank Business Credit Card (existing customers only)
Not yet rated
15.9%
£24
N/A
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Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £24 per annum, your representative rate is 21.8% APR (variable).

The Co-Operative Bank Business Charge Card (existing customers only)
Not yet rated
N/A (this product is a charge card).
£0 for the first 6 months, then £2 per card per month
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N/A (this product is a charge card).
Go to siteCard details
CASHBACK
Juni Business Card (only for ecommerce companies)
4.0
★★★★★
N/A (this product is a charge card).
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Made for ecommerce companies only. Earn 2% cashback for your first 30 days, up to 1% thereafter on all eligible Juni card spend.
AIB Visa Business Card
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AIB Visa Business Gold Card
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Allstar Plus ‘All-in-one’ Business Fuel Card
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Up to 44 days interest free on purchases (subject to status), savings on fuel at 1,600 discount diesel sites plus a 10% saving on Service, Maintenance & Repair at selected merchants (Arnold Clark, IMO Car Wash, National Tyres, Halfords).
Metro Bank Business credit card (only available to existing business customers)
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Representative example: When you spend £1,200 at a purchase rate of 17.44% (variable) p.a., your representative rate is 18.9% APR (variable).
Payhawk Corporate Visa Card
4.2
★★★★★
N/A (this product is a charge card).
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Earn up to 1% cashback on all eligible card spend up to the amount of your subscription.
HSBC Commercial Credit Card Visa
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★★★★★
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N/A
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Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 22% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

How to apply for the American Express Gold Business Card

If you've compared cards and settled on the American Express Business Gold 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 Business Gold Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£167.15), it'll cost you around £5.00 in fees.

Can I get additional American Express Business Gold Cards for my team?

Yes, you can request up to 20 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.

Customer support

To contact customer support for the American Express® Business Gold Card, you can call 0800 917 8043.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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