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Note: Some of the offers mentioned below may have changed or are no longer be available. You can view current offers here.

Update: This deal has expired.

According to this thread on FlyerTalk, American Express is offering a limited time 75,000 point sign up bonus for their Business Gold Rewards charge card. If approved, you must spend $10,000 in the first four months of card membership  to unlock the 75,000 Membership Rewards.

Application Link: The Business Gold Rewards Card from American Express OPEN with 75,000 Membership Rewards after $10,000 in spending in the first four months.

When does this offer expire?

According to the terms and conditions (found at the bottom of the application page), you must apply no later than January 28th. I’m hearing it ends at 11 AM.

Is this offer targeted?

No. It appears this card is available to all interested business applicants.

What is the annual fee for this card?

The card comes with a $175 annual fee that is waived for the first year of card membership.

Does the card come with any category bonuses for spending?

According to the main American Express website, the card earns 3X Membership Rewards points on airfare purchases and 2X points on advertising, shipping, and gasoline purchases. Note that gas must be purchased at “stand alone” stations in the US. There have been reports that gas purchases at discount superstores like Costco have not qualified for bonus points.

This card is listed as a charge card. Is that the same as a credit card?

No. Charge cards differ from credit cards in that the balance must be paid in full every month. With credit cards, you are allowed to carry a balance, but American Express expects all purchases made on charge cards to be settled in full and on time each month.

Will I still be able to receive the bonus if I applied for another American Express card recently?

It depends. The terms and conditions state that the signup bonus is “not available to applicants who have had this product or any other Business Gold, Green or Platinum card account within the last 12 months.” If you have recently applied for any personal American Express card, whether it be the Starwood Preferred Guest credit card or even the personal version of their Gold charge card, you should be eligible for the full signup bonus.

When it comes to signup bonus eligibility, American Express treats their business charge cards and business credit cards separately. The above Business Gold Card is a charge card. The balance must be settled every month. American Express’s business credit cards, such as the Business Delta Airlines and Business Starwood Preferred Guest cards differ from their charge cards. They have set spending limits and the ability to carry a balance (not that you should).

What if I apply correctly but American Express doesn’t give me the correct bonus?

I’ve experienced this problem firsthand and want to offer some advice. Take screen shots of the application page and offer details before applying. When activating the card, make sure to note the date, time, and person you speak with on the phone. Also note the Bonus ID code attached to the offer you applied for. In this case, the Bonus ID is A3P6.

If American Express denies you the bonus or the Membership Rewards don’t post properly, a timely secure message referencing the above Bonus ID should be all the evidence you need to resolve your claim. I have had great success in getting issues resolved by sending secure messages through American Express’ website.

Is this a good deal?

For the vast majority, I would say no.

This card isn’t for everyone. Not everyone owns their own business or engages in activities that can be construed as a business.

Although this offer is marketed as “Limited Time Only!”, we have seen it pop up in the past–usually every few months for one day at a time. The offer isn’t unique, and I would bet on it returning in the next several months. In fact, Scott wrote up the Gold card (and its bonus) back in September.

Most importantly, though, not everyone can charge $10,000 in four months to satisfy the Gold card’s steep spending requirement. At MileValue, our primary credit card strategy centers around clearing signup bonuses quickly. We aren’t big spenders (I charge less than $30k per year), so hitting the signup bonus on a card quickly is paramount. You are earning many more miles per dollar when working towards a signup bonus instead of focusing on which card is best for certain merchants.

If I had to choose, I would definitely recommend the Mercedes-Benz American Express Platinum card. The card comes with 50,000 Membership Rewards after only $1,000 in spending. Though 75k is clearly a juicier incentive than the 50k Platinum bonus, you will need to spend an additional $9,000 to unlock the last 25,000 Membership Rewards. That’s not good value unless you’re a big card spender–$100k+ per year.

For those that argue about the Platinum’s $475 annual fee, I’ve discussed the card’s host of benefits before. Lounge access to several carriers is invaluable. You also receive an annual $200 airline credit that can be used to purchases gift cards. Reimbursement for the Global Entry fee can be a real lifesaverThe Platinum card is also a personal charge card. You don’t need to have a business to apply.


The 75,000 sign up bonus for American Express’ Business Gold Rewards card should turn heads.

Remember that this is a business charge card. Many people engage in business activities, such as selling items on eBay part-time, that would qualify them for this card. Just remember that you can’t carry a balance on the card. American Express requires immediate settlement when each statement closes.

Even though the 75k bonus is high, the spending required to unlock the points is equally steep. For low spenders, I would recommend going for the Mercedes-Benz American Express Platinum instead. $1,000 in charges will net you 50,000 Membership Rewards points along with a host of other card benefits. Comparing the two, the $9,000 required to unlock the last 25k Membership Rewards is a huge turnoff for me.

Application Link: The Business Gold Rewards Card from American Express OPEN with 75,000 Membership Rewards after $10,000 in spending in the first four months.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

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