Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $375
- Purchase APR
- APR range: 17.74% - 28.49%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- $39
- Grace period
- 25 days
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Cell phone protection may be available
- Extended warranty coverage may be included
- Business spending features
Rewards breakdown
Wafacard summary: this business spending card shows points earning from 1x-4x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.
Intro offer: Intro value may include 200,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include cell phone protection may be available, extended warranty coverage may be included, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- American Express
- Review status
- Terms reviewed 6/30/2026
Is American Express® Business Gold Card worth it?
The American Express® Business Gold Card is a premium business card from American Express with a $375 annual fee, so it needs to earn its keep through rewards and benefits. New cardholders may also qualify for a welcome offer: Intro value may include 200,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 17.74% - 28.49%. Confirm current terms on American Express's site before applying.
