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usamex mr ushot offerno fx fee
American Express Business Gold Card
4x auto-picks your top 2 business categories. new credits mostly offset the $375.
checked Oct 9, 2026 · americanexpress.com, thepointsguy.com
annual fee
US$375
welcome bonus
200k pts
foreign transaction fee
none
earn rates
restaurants · 4x applies to your top 2 of 6 categories each cycle; modeled as dining + business · up to US$150,000/year4x
business stuff · us advertising, electronics/software/cloud, wireless (also gas or transit if top 2) · up to US$150,000/year4x
everything else1x
at amex travel3x
at amex travel prepaid hotels3x
store-only rates show here but aren't counted in your wallet math.
welcome offer
spend US$15,000 in 3 months200k
credits
flexible business credit (grubhub, office supply, ups)US$20/mo (US$240/yr)
chatgpt business creditUS$300/yr
squarespace creditUS$150/yr
walmart+ membership creditUS$13/mo (US$155/yr)
perks
the hotel collection: $100 property credit + upgrade on 2+ night stays
cell phone ($800) + trip delay ($300) + baggage + purchase protection + secondary rental cdw
always confirm current terms with the issuer before applying. pointlss isn't affiliated with amex. see disclosures.