American Express Business Gold
Business card with adaptive 4X earning on top two spending categories each billing cycle (up to $150K annually). Features flexible business credits for office essentials and subscriptions. Best for businesses with significant spending in rotating categories like advertising, software, gas stations, restaurants, transit, and wireless services. $240 annual credit plus Walmart+ and Squarespace credits can offset the annual fee for the right business.
Trackable Benefits (3)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Flexible Business Credit
$20 monthly credit at FedEx, Grubhub, and office supply stores ($240/year).
Up to $20 in statement credits each month for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required through Amex benefits portal. Credits reset monthly and do not roll over.
- • Enroll through Amex benefits portal before making purchases.
- • Monthly credits reset on the 1st - use them or lose them.
- • Works well for regular office supply runs or meal ordering.
Walmart+ Membership Credit
Up to $12.95/mo credit for Walmart+ membership ($155/year).
Statement credit for monthly Walmart+ membership fee (subject to auto-renewal). Enrollment required. Covers up to $12.95 plus applicable local sales tax. Excludes Plus-ups upgrades.
- • Enroll through Amex benefits portal and link Walmart+ account.
- • Walmart+ includes Peacock or Paramount+ streaming (your choice) as part of membership.
- • Great for businesses that shop at Walmart for supplies.
Squarespace Credit
$150 annual credit for Squarespace purchases.
Up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Enrollment required. Valid for website subscriptions, domains, and other Squarespace services purchased directly from Squarespace.
- • New benefit added October 2025.
- • Enroll through Amex benefits portal before making Squarespace purchases.
- • Squarespace plans range from $192-$1,668/year - credit covers ~78% of base plan.
- • Can double-dip: use $150 in Dec 2025 + $150 in Jan 2026 for $300 value in one cardmember year.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- 💼4X points on top 2 business categories each billing cycle (up to $150k/yr)
- ✈️3X points on flights and prepaid hotels via Amex Travel
- 💳1X points on all other purchases
- 🌍Transfer points 1:1 to 20+ airline/hotel partners
- 🛡️Purchase protection up to $1,000 per item
- 📱Cell phone protection up to $800/claim (2 claims/year)
- 🧳Baggage insurance and trip delay coverage
- 🚗Car rental insurance (secondary)
- ⏰Extended warranty (+1 year on warranties ≤5 years)
- 🌍No foreign transaction fees
- 👥Up to 99 additional employee cards (no annual fee)
- 🏨Hotel Collection: $100 property credit per stay (2+ nights, unlimited)
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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