American Express Gold Business Card review
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Offer
- Interest-free each billing period
- Up to 54 days
- Earn rate
- 1 point per £1 spent
- Intro bonus
- Up to 20,000 points
Our verdict
The Amex Business Gold Card is designed to make day-to-day business more rewarding.
If, like most SMEs, your business has a fairly irregular cash flow, then a business card can boost your spending power and offer some stability. Plus if it's anything like this one, it can earn you a bunch of tasty rewards along the way!
Before diving into the rewards, it's worth appreciating that this is quite a unique credit product. Like any credit or charge card, if you pay your balance off in full each month, you won't incur interest. But the Amex Business Gold comes with a "Flexible Payment Option" which is a part of your credit limit that you're allowed to carry over if you want – but crucially it will incur interest.
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 that 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
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Welcome bonus offer
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Points on eligible spend
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No annual fee in year 1
Cons
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£195 annual fee applies after year 1
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Applicants with low credit scores are unlikely to be eligible
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2.99% non-sterling transaction fee
Details
Product Overview
| Network | Amex |
| Annual/monthly fees | Year 1 - £0, Year 2 onwards - £195 |
| Purchases | 29.4% (applies if you use the Flexible Payment Option ) |
| Purchases interest-free period | Up to 54 days |
| Maximum credit limit | Subject to status |
| Additional cards available | 20 |
| Incentive | Earn 20,000 Membership Rewards points when you spend £3,000 in the first 3 months of Cardmembership. T&Cs 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 £200 of the best discounts on business essentials and £100 statement credit at Dell Technologies. Earn up to 90,000 Membership Rewards annually. Earn 9,000 Membership Rewards points per approved friend. |
| Potential costs | 7.9Great |
| Extras | 8.4Great |
| Overall Finder Score | 8.6Great |
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 | Available to UK LTD/LLP’s, signatories must be 18+ and a Director/member of the business. |
How does it compare?
American Express's card
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How we picked theseOther popular business cards
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We currently don't have that product, but here are others to consider:
How we picked theseApproval 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 Defaqto.
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.
American Express and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. American Express is one of these brands and has won multiple awards!
Here's what it's won in the past year:
- 2025 Provider of the Year Award (Rewards Credit Card)
- 2025 Provider of the Year Award (Business Charge Card)
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 (£174.22), it'll cost you around £5.21 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 be able to 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.
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