The Amex Business Gold Card, issued by American Express, is a solid choice in the market.
Amex Business Gold Card Payoff Analysis
Amex Business Gold Card Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Amex Business Gold Card | |
|---|---|
| Issuer | American Express |
| Network | American Express |
| Card Material | Plastic |
| Annual Fee | $375.00 Effective: $-470.00 • $240 Flexible Business Credit • $300 ChatGPT Business Credit • $150 Squarespace Credit • $155 Walmart+ Credit |
| Base Rate | 1.00% |
| Travel Rewards | 3.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | None |
| Product Lifecycle | Active |
| Minimum Credit Line | N/A |
Welcome Offer
| Bonus | 200,000 Amex Points |
| Spend Requirement | $15,000 |
| Timeline | 90 days |
| Efficiency Score | 13.33 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 1.00% |
| Amex Travel | 3.0x |
| Top 2 Categories | 4.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 17.74% - 28.49% |
| Cash Advance Fee | None |
| Balance Transfer Fee | None |
| Late Payment Fee | Up to $Unverified |
| Minimum Interest Charge | None |
| Grace Period | N/A |
| Penalty APR | None |
Official Resources
Comparisons
See how the Amex Business Gold Card compares to other cards.