The Business Gold Rewards Card from American Express OPEN

This is a special offer. Please see the offer details for more information.
4X points that adjust to your spending.*
Solutions to meet business needs
  • 4X points on 2 select categories where you spend most each month*
  • Access to our Working Capital Terms program, a flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • Flexibility to pay eligible charges over time with interest, or pay your full balance, whichever is best for your business*
  • APR on purchases will be a variable rate, currently 15.74% - 23.74%, based on your creditworthiness and other factors as determined at the time of account opening.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Business $0 introductory annual fee for the first year, then $175 N/A N/A N/A Travel

The Business Gold Rewards Card from American Express OPEN Quick Summary:
This is a travel rewards card, issued by American Express. You can expect travel related rewards earned for purchases made. This card is restricted to business owners with a nearly perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. Rates may vary among applicants, however the lowest standard APR is 14.24%* and may be as high as 22.24%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $0 introductory annual fee for the first year, then $175* for this card. This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

This is a travel rewards card, where you can expect to earn rewards for leisure or travel.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 725 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.

Other Basics:
You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer.American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Our Editor's Commentary:
There are many business credit cards to choose from, but The Business Gold Rewards Card from American Express OPEN is one of the best.

This credit card is perfect for business owners who want to earn points for every purchase. You have the opportunity to select one category in which you receive 3x points.

Reward points can be used for many items, including but not limited to travel and business expenses.

If you have excellent credit, if you are seeking a credit card, The Business Gold Rewards Card from American Express OPEN could be a good choice.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 725, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 3 users recommend this card.
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