American Express® Business Gold Card
Great for big-spending businesses
Annual Fee: $375
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their American Express® Business Gold Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $7,051, with $1,000 being the most common.
Here’s the average credit score of members who matched their American Express® Business Gold Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 662, with 747 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
32%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
45 years
Average age of members who matched this card or similar cards.
$92,096
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
October 28, 2017
BGR: For legit business owners
— Credit Karma Member
Generous sign-up bonus. Exclusive perks. No pre-set spending limit. Outstanding customer service. This card is a great business card for those who don't need the perks of the Platinum. Savvy business owners should be aware of the terms and conditions of this card. If you want to carry balances, this card is not for you. If you want to try to game the system, this is not for you. Remember that this is a business charge card, and cardmembers are held to different standards than those for personal cards. Use this card as intended, plan a strategy for maximum points, and reap the benefits of a seasoned relationship with AmEx.
Most helpful negative review
February 25, 2015
Don't let the marketing fool you!
— Credit Karma Member
First and foremost, I am either a partner or President of at least three companies. ?We signed up for AMEX for a couple of reasons. ?The first is their guarantee to be able to support small business needs and the other is the no spending limit they market. ?As a note, my employee's have either platinum or gold cards. First, the company does not adequately support all small business(s) and if your in the business of developing and manufacturing product, then AMEX is NOT the card for you. ? ? Let me explain. ?The whole marketing effort around not spending limits is a deceptive to say the least. ?First, AMEX is not really a business card, its a personal card because they don't use your company finances to determine your credit worthiness which determines your spending limit along with averaging spending patterns. ?So, if you company makes $500K + per year, it doesn't matter! ?If your salary is 100K then your card limit is based on that regardless how how big your company grows. ?Second, AMEX absolutely has spending limits and they are extremely low. ?The reality is they don't appear to care if your are a customer or not and being a customer for more than 2 years doesn't make one bit of difference. ? It surely does not help you in any way, which is so different for my other bank accounts where I was offered "private banking" and other services. ?Requesting an increase is like pulling teeth. So how does this related to a manufacturing business? ?Its quite simple; first, spending patterns and personal income determine your limit. ?They take an average your spending pattern over a period of time. ?We'll anyone who manufactures and runs a solid business would know that manufacturing runs are not consistent but periodic and typically grow an average 10-20% per run. ?So by year 1.5 - 2, our AMEX card became worthless and could only be used for basic office supplies and some travel, which is GOOD for amex because manufacturing pays 2-3 times points (could this be intentional). ?Our company has outstanding revenues yet my card spending limit is based on what I report for income.... Hum! ?What happened to the AMEX that used to be! ?In my perspective, the new AMEX is about money. ?It does not appear concern around customer loyalty and retention. ?Don't fall for the generalized marketing perks, such as point, they don't add up to what you think they will. ?We spend over 200K per year on AMEX and our points add up to a few plane tickets.