PointsInsider

Tag: American Express

  • Current credit card transfer bonuses: Aug 2025

    Current credit card transfer bonuses: Aug 2025

    How to stretch your rewards with transfer bonuses

    Current credit card transfer bonuses 
    Transferable rewardsTransfer partnerTransfer bonusExpires
    Capital One MilesAvianca LifeMiles15%Aug 31, 2025

    Credit card transfer bonuses are promotions that incentivize you to convert your bank points into airline miles and hotel points. These promotions can help you squeeze considerably more travel out of your credit card rewards.

    You’ll typically receive between 15% and 40% more rewards than usual during a transfer bonus. For example, Capital One miles normally transfer to Avianca LifeMiles at a 1:1 ratio — but during a 20% transfer bonus, the conversion rate improves to 1:1.2. That means you’ll get 1,200 Avianca LifeMiles for every 1,000 Capital One miles you transfer.

    You’ll likely see plenty of transfer bonuses for airline programs you’re not a member of or familiar with, but you might find some surprises. With a bit of algorithmic wizardry, PointsYeah will help you to use these promotions to save points on your upcoming flights.

    How to spot credit card transfer bonuses

    Credit card transfer bonuses come and go with little notice — and only a handful of airline and hotel loyalty programs are eligible for a bonus at any given time. This makes staying updated on current transfer bonuses a bit challenging for the average user.

    The good thing for you is -> you’re a PointsYeah user.

    There are two ways you can stay informed about valuable transfer bonuses with PointsYeah:

    1. Bookmark this page. We keep the above chart updated just for you.
    2. Search for flights through PointsYeah. The search result card will show you whenever there’s a transfer bonus and even calculate the number of points required, factoring in the bonus.

    One final option is to check directly with the bank or airline’s website. Depending on who funds the promotion, the bank or the airline, is where you will find the information. If you don’t see the transfer bonus on your bank transfer portal, it is likely one you would see the T&C on the airline site, while still transferring through the bank portal.

    Pretty simple, Yeah?

    Credit card transfer bonuses are automatic. Just transfer your bank points to participating airline or hotel loyalty programs during a transfer bonus, and you’ll automatically get extra rewards.

    Remember to bookmark this page to keep on top of current transfer bonuses. And if you want to learn more ways to stretch your points and miles, sign-up for the PointsYeah newsletter. More tips = more trips!

    Old credit card transfer bonuses (July 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpires
    Chase Ultimate RewardsAir Canada Aeroplan20%Jul 2025
    Citi ThankYou PointsAir France/KLM Flying Blue20%Jul 2025
    American ExpressAvianca LifeMiles15% (hosted by LM, wont see on Amex site) Jul 2025
    Old credit card transfer bonuses (June 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpires
    Chase Ultimate RewardsVirgin Atlantic Flying Club25%Jun 2025
    Citi ThankYou PointsWyndham Rewards25%Jun 2025
    Old credit card transfer bonuses (May 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpires
    Citi ThankYou PointsVirgin Atlantic Flying Club30%May 2025
    Capital One MilesQantas Frequent Flyer20%May 2025
    Chase Ultimate RewardsAir France/KLM Flying Blue25%May 2025
    Old credit card transfer bonuses (Apr 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpires
    Amex Membership RewardsEtihad Guest20%Apr 2025
    Chase Ultimate RewardsIHG Rewards80%Apr 2025
    Citi ThankYou PointsAvianca25%Apr 2025
    Old credit card transfer bonuses (Mar 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpired
    Capital OneEthiad Guest40%Mar 2025
    Amex Membership RewardsQatar Airways20%Mar 2025
    Chase Ultimate RewardsBritish Airways Executive Club20%Mar 2025
    Chase Ultimate RewardsAer Lingus20%Mar 2025
    Chase Ultimate RewardsIberia Plus20%Mar 2025
    Chase Ultimate RewardsMarriott Bonvoy50%Mar 2025
    Old credit card transfer bonuses (Feb 2025)
    Transferable rewardsTransfer partnerTransfer bonusExpired
    Citi ThankYou pointsQatar Airways20%Feb 2025
    Amex Membership RewardsAvianca LifeMiles15%Feb 2025
    Amex Membership RewardsHilton Honors25%Feb 2025

  • How Buying Points Helped Me Fly My Family to Europe in Business Class for Less Than $900 Each

    How Buying Points Helped Me Fly My Family to Europe in Business Class for Less Than $900 Each

    Flying business class to Europe as a family of four? Most people think that’s a once-in-a-lifetime splurge. But with a little strategy, the right timing, and the right tools, I made it happen for a fraction of the cost.

    Here’s the full story of how I saved over $10,000 on our flights and turned a dream family trip into reality.

    Step 1: Catching the Points Sale of the Year

    In late 2024, Hawaiian Airlines ran a 100% bonus sale on miles. When you know how to use points, deals like this are impossible to pass up. I didn’t hesitate. I bought around 320,000 Hawaiian miles for $4,064.00 because I knew I could put them to work later.

    But here’s what made this special.

    At the time, there was a workaround that let you transfer Hawaiian Airlines miles to Alaska Airlines Mileage Plan. This was huge. Normally, getting points into Alaska is difficult, but this Hawaiian path opened up access to some of the best award redemptions in the game.

    I didn’t know exactly when I would use the miles, but I knew the opportunity was too good to miss.

    Step 2: The Search for Four Business Class Seats

    Fast forward to February and March 2025. I started searching for four business class tickets from the West Coast to Europe for a late spring or early summer family trip.

    Finding four seats in business class on the same flight? That’s not easy. But it’s possible if you know where to look.

    I spent weeks searching, checking routes, flipping through dates, and running searches across multiple airlines. I knew I needed a tool that could keep up with me and help me move fast.

    That’s why I used PointsYeah’s Daydream Explorer. It’s fast, flexible, and my absolute go-to for finding award flights. You can search across programs and dates in seconds, which saves a ton of time and opens up flights most people miss.

    Then I found it.

    Four business class seats from Las Vegas to Frankfurt on Condor Airlines for just 70,000 Alaska miles per ticket.

    Finding one seat at that rate is pretty rare. Finding four on the same flight? That’s tough, but this is exactly what Daydream Explorer is built for. It helped me spot this deal quickly before it was gone.

    I stared at the screen, double-checked the dates, the cabin, the taxes. I refreshed the page. I ran the search again. I triple-checked everything just to be sure.

    It was real. And I knew I had to move fast. Deals like this don’t wait around. If you hesitate, they’re gone.

    So I booked them immediately.

    The trip was locked in.

    The Final Numbers:

    • Total Miles: 280,000 Alaska miles
    • Cash Paid: $196.80 in taxes and fees

    Just out of curiosity, I checked the cash price for those same flights on Google Flights.

    $14,080 for 4 people.

    I booked them for less than $900 per person. That’s a savings of over $10,000.

    That’s not a discount. That’s a major win!

    Step 3: Flying in Style

    When the day finally came, it all felt surreal. We weren’t crammed in economy. We weren’t worrying about sleep, legroom, or whether our kids would be miserable for ten hours. We were flying in comfort. We were flying in business class.

    Boarding Condor’s A330, we settled into wide, spacious seats that fully reclined into beds. The cabin was quiet. The service was smooth. The food was surprisingly good. And when we took off, I had this moment of realizing this is why I chase points. It’s not just about saving money, it’s about creating moments that make travel easier, more enjoyable, and more memorable.

    The flight was perfect. We dined, we slept, and we landed in Frankfurt feeling refreshed, rested, and genuinely excited to kick off our European adventure.

    When you travel with your family, this matters. Arriving well-rested changes everything. It sets the tone for the entire trip.

    And the best part? I didn’t need to spend $14,000 to make it happen.

    This is the power of points. This is why I play the game.

    How Daydream Explorer Made It Happen

    It’s not just fast. It’s not just easy. It’s built to help you find flights most people miss. I could quickly scan wide-open date ranges, mix and match departure cities, and explore hidden opportunities that would have been buried in endless airline searches.

    While others are still clicking through airline websites, I’m already booking.

    If I wasn’t using Daydream Explorer, I never would have found those four seats. I never would have pulled this off.

    Looking back, this whole experience changed how I think about buying points.

    Buying Points Can Be a Game-Changer When It Makes Sense

    This trip really opened my eyes to what buying points can unlock. It’s not something I do for every trip, but when the right opportunity shows up, it can make a huge difference.

    When there’s a big sale, when you’ve done the math, and when you can actually find the seats you want, buying points can be the key to getting incredible value. It can turn flights that seem completely out of reach into something that’s possible.

    I didn’t buy points just to have them sitting in my account. I bought them because I had a real plan and a real way to use them.

    Buying points isn’t always the answer, but sometimes, it’s exactly what makes trips like this happen.

    Important: The Points Game Is Always Changing

    When I bought Hawaiian miles last year, the Hawaiian-to-Alaska transfer path was wide open. It was one of the best workarounds in the game. That path has since closed, and it’s a perfect reminder that these windows don’t stay open forever.

    Award programs, transfer partners, and sweet spots are constantly shifting. What works today might be gone tomorrow. We’ve seen it happen with Virgin Atlantic’s rising fees, Emirates’ recent Amex transfer devaluation, and other changes across the points landscape.

    The key takeaway?

    Maximize transfer bonuses and partner sweet spots while you can, but don’t move points speculatively. Wait until you find a real, bookable flight. Programs can devalue, transfer ratios can shift, and award space can vanish overnight.

    There will always be new deals, but the industry moves fast. Staying ready, staying flexible, and using the right tools is how you stay ahead.

    Final Takeaway: You Can Do This Too

    Buying points when the math works out can be one of the smartest moves in points travel. You don’t have to be an expert. You just need to:

    • Be ready to act when a deal drops.
    • Use the right tools, like Daydream Explorer, to search smarter and faster.
    • Trust the process.

    This is how you win with points.

  • Amex Business Platinum review: Massive 150k-point bonus

    Amex Business Platinum review: Massive 150k-point bonus

    American Express is a PointsYeah.com Advertiser

    So you’re a business owner searching for the perfect travel rewards card? If you’re looking for the cream of the crop, the The Business Platinum Card® from American Express is the creamiest.

    The card is stuffed with benefits which can easily be worth well over $1,500 in value each year. And its current welcome bonus is one of the highest we’ve ever seen.

    Here’s everything you need to know about the Amex Business Platinum Card — and a quick look at how powerful its rewards can be.

    How do American Express Membership Rewards points work?

    How to earn American Express Membership Rewards points

    The Amex Business Platinum Card offers a strong bonus offer, 150,000 American Express Membership Rewards® points after spending $20,000 on purchases within the first three months from account opening.

    You’ll also earn points for your everyday spending at the following rates:

    • 5 points per dollar on flights and prepaid hotels booked on AmexTravel.com
    • 1.5 points per dollar on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers and software & cloud system providers, and U.S. shipping providers — as well as any eligible purchases of $5,000 or more (on up to $2 million in spending per calendar year)
    • 1 point per dollar on all other eligible purchases

    How to use American Express Membership Rewards points

    There are plenty of fun ways to use Amex Membership Rewards points when you’ve got the Amex Business Platinum Card — but the best options involve travel. For example, you can redeem your points for:

    • Airfare through Amex Travel at a rate of 1 cent each. And when booking business- or first-class seats, you’ll get a 35% rebate on your points (a feature exclusive to the Amex Business Platinum) — effectively making your points worth ~1.5 cents each
    • Hotel stays through Amex Travel at a rate between 0.7 and 1 cent each

    But to unlock the most potential from your Amex points, convert them to into airline miles and hotel points.

    It’s possible to get exponentially more value from your points by transferring to the below travel partners (transfers are 1:1 unless otherwise specified).

    Aer LingusChoice HotelsIberia
    Aeromexico (1:1.6)DeltaJetBlue (5:4)
    Air CanadaEmiratesMarriott Bonvoy
    ANAEtihadQantas
    AviancaFlying Blue (Air France and KLM)Qatar Airways
    British AirwaysHawaiian AirlinesSingapore Airlines
    Cathay PacificHilton Honors (1:2)Virgin Atlantic

    You can use PointsYeah to find flights between your home airport (or anywhere else) to all over the world with Amex points. Just filter your search to display only flights that can be booked with Amex Membership Rewards.

    With this card’s 150,000-point bonus, there’s virtually nowhere you can’t go. Here’s a quick snapshot of award prices for flights you can book from the U.S. with Amex points.

    You can even use the PointsYeah Hotels tool to find and book fancy hotels with your rewards. When I first opened the Amex Business Platinum Card, I transferred part of its bonus to Hilton for a stay at the Waldorf Astoria Maldives — a resort where villas routinely cost over $2,000 per night!

    Is the Amex Business Platinum Card worth a $695 annual fee?

    The Amex Business Platinum Card’s $695 annual fee (rates and fees) isn’t the easiest to shrug off. But here’s the thing: Annual fees aren’t as scary as they sound.

    As long as you can organically squeeze more value from a credit card’s benefits than you spend on the annual fee, it’s a great deal! Examine the Amex Business Platinum Card’s benefits and then do some simple math.

    Statement credits galore

    The Amex Business Platinum Card offers over $1,000 in annual statement credits alone. If you can use even a fraction of them, the card could be a fair deal.

    First are the travel-focused credits, such as:

    • Up to $200 in annual Hilton credits. You’ll get up to $50 per quarter for eligible purchases made directly with a Hilton property.*
    • Up to $200 in annual airline credits. Choose a participating airline (United, American Airlines, Delta, Alaska Airlines, JetBlue, and many more), and redeem this credit to offset charges like checked bags, pet fees, seat upgrades, etc.*
    • Up to $199 CLEAR® Plus credit. CLEAR lets you skip the line at many TSA security checkpoints. Enter some biometric data into a kiosk, and a CLEAR attendant will literally escort you to the front of the line. It’s wild.
    • Terms Apply

    Then there’s the business-focused credits:

    • Up to $120 in annual wireless credits. Get up to $10 in statement credits each month for wireless telephone service purchases made directly with a wireless provider in the U.S.*
    • Up to $360 in annual Indeed credits. Receive up to $90 back per quarter for Indeed expenses.*
    • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
    • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
    • Terms Apply

    *Enrollment required for some benefits

    Perks to enhance your travel experience

    • Up to $120 in TSA PreCheck/ Global Entry credit. These “trusted traveler” programs get you through airport security in a hurry. You get to keep your shoes and belt on (instead of throwing them in a grungy gray bin) — and you can even keep your laptop and TSA-approved toiletries in your bag. Global Entry also expedites your entry back into the U.S. when returning from abroad.
    • Airport lounge access. No travel card on the market gives you access to more airport lounges than the Amex Business Platinum Card — over 1,400 locations in all. You can visit super fancy Amex Centurion Lounges, Delta Sky Clubs (eligible same-day Delta ticket required), Plaza Premium lounges, Priority Pass lounges*, and more. Airport lounges are a travel game-changer.
    • Access to American Express Fine Hotels & Resorts. You can book over 2,600 top-tier luxury hotels through an exclusive platform to get special benefits like free breakfast for two, room upgrades when available, late checkout, and a property credit (typically worth $100+).
    • Hotel elite status. You’ll get complimentary Gold elite status with both Marriott and Hilton. This comes with perks like bonus rewards on paid stays, welcome amenities, free upgrades when available, and more.*
    • Rental car elite status. Receive Hertz President’s Circle status, National Executive status, and Avis Preferred Plus status.* These come with perks like free upgrades, bonus points on paid reservations, etc.

    * Enrollment required for some benefits.

    High-quality insurance

    The Amex Business Platinum Card delivers some of the best travel insurance around. As long as you pay with your card, you’ll be covered. Here are some highlights:

    • Trip delay insurance. When your flight is delayed by at least six hours (or requires an overnight stay), Amex will give you up to $500 for “reasonable expenses” — meals, a night at a hotel, that type of stuff.
    • Trip cancellation/interruption insurance. When you book round-trip travel with your card, you’ll get up to $10,000 in coverage per trip (max $20,000 per 12-month period) to reimburse you for prepaid nonrefundable travel that causes you to cancel or shorten your trip for a covered reason.
    • Rental car insurance. The Amex Business Platinum Card only confers secondary rental car insurance (meaning it’ll cover you for whatever your personal insurance doesn’t). HOWEVER, you can opt into Amex’s Premium Car Rental Protection for a small fee per rental. This gives you primary insurance and more comprehensive coverage than virtually any other card on the market.
    • Cell phone protection. Get up to $800 in cell phone insurance (max two claims per 12-month period) against damage or theft. You’ll just have to pay a $50 deductible. This protection is automatic as long as you pay your monthly phone bill with the Amex Business Platinum Card.

    Is the Amex Business Platinum Card right for you?

    The Amex Business Platinum Card isn’t for everyone. Even if the card’s benefits easily justify its price point, it’s not exactly painless to pony up the $695 annual fee (rates and fees). Ask yourself these questions to decide if the card is a fit for you.

    Can you spend $20,000 within the next three months? To earn the card’s enormous 150,000-point bonus, you’ll have to make $20,000 in purchases within three months. If you can meet that by making purchases you’d normally make (don’t go into debt just to earn points!), the bonus alone is worth trying the card out for a year to see if it complements your business and personal goals.

    Are you a big spender? If your business makes a lot of large transactions, the Amex Business Platinum Card is one of the best cards for you. That’s because it’s a No Preset Spending Limit (NPSL) card, meaning you don’t have a firm credit limit. Instead, Amex will learn your spending habits and give you more purchase power when you need it.

    Plus, the card earns 1.5 points per dollar for transactions of $5,000 or more (again, capped at $2 million in spending per year).

    Do you fly at least a few times each year? Some of the card’s best benefits are related to air travel. From up to $200 in airline incidental credits to fantastic airport lounge access to trip delay insurance , flyers specifically will squeeze the most value from the Amex Business Platinum Card.

    Can you organically use a few of the card’s business-centric cards?

    Does the nature of your business take advantage of the card’s many hundreds of dollars worth of annual business credits? If you spend money on services from Indeed or Adobe anyway, the Amex Business Platinum Card is almost certainly a good deal for you.

    Is the Amex Business Platinum Card easy to get?

    The Amex Business Platinum Card isn’t “hard to get.” If you’ve got a credit score above 700 — and you own a business — you shouldn’t have a difficult time opening this card. Just a couple notes:

    • If you’ve earn the welcome bonus for the Amex Business Platinum Card before, you aren’t eligible to earn it again. Amex abides by a once-in-a-lifetime rule when it comes to card bonuses.
    • You must own a business. Whether it’s a multi-million dollar enterprise or you simply drive for Uber or run an Etsy shop, you must have a for-profit venture to open the Amex Business Platinum Card.

    And here’s another fantastic thing about American Express: If you already have an Amex card, American Express can often let you know if you’ll be approved for a card before you formally submit your application. No crossing your fingers after you hit the “Apply Now” button.

    So yeah, that’s the deal

    The Amex Business Platinum Card currently offers 150,000 points after meeting minimum spending requirements.

  • Amex Business Gold Card review

    Amex Business Gold Card review

    It’s made of heavy metal and it’s gold-colored. It must be good, right?

    The American Express® Business Gold Card is one of the best rewards cards for small businesses. It offers hundreds of dollars in statement credits each year; its return rate for common purchases is confusingly high; it’s got a substantial six-figure welcome bonus after meeting minimum spending requirements.

    Let’s examine the Amex Business Gold Card to help you decide if it’s a good pickup for your situation.

    How do American Express Membership Rewards points work?

    How to earn American Express Membership Rewards points

    The Amex Business Gold Card comes with 100,000 American Express Membership Rewards® points after spending $15,000 on purchases within the first three months from account opening.

    That’s a big deal. Amex points are some of the most valuable travel rewards in existence. With 100,000 points, you can book a bucket list trip to just about anywhere for pennies on the dollar.

    The card is also great at earning points on everyday business expenses. Most impressive is its 4 points per dollar on the top two eligible bonus categories in which you spend the most each billing cycle (for up to $150,000 in combined purchases each calendar year, then 1x). Eligible categories include:

    • U.S. purchases at restaurants, including takeout and delivery
    • U.S. purchases at gas stations
    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • Purchases at U.S. media providers for advertising in select media (online, TV, radio)
    • U.S. purchases made from electronic goods retailers and software/cloud system providers

    This is an above-average return to say the least. You’ll also earn:

    • 3 points per dollar on flights and prepaid hotels booked through AmexTravel.com
    • 1 point per dollar for all other eligible purchases

    How to use American Express Membership Rewards points

    Amex Membership Rewards points are a potent and easy-to-use tool in your travel utility belt. Here are some popular ways to use them:

    • Transfer them to airline and hotel loyalty programs partnered with American Express (typically the best way to stretch your points the furthest).
    • Book airfare through Amex Travel at a rate of 1 cent each.
    • Book hotel stays through Amex Travel at a rate between 0.7 and 1 cent each.
    • Redeem for cash back at a rate of 0.6 cents each

    As award travel enthusiasts, we always suggest that you transfer your points Amex travel partners. You can convert your Amex points into points and miles with the below programs (transfers are 1:1 unless otherwise specified).

    Aer LingusChoice HotelsIberia
    Aeromexico (1:1.6)DeltaJetBlue (5:4)
    Air CanadaEmiratesMarriott Bonvoy
    ANAEtihadQantas
    AviancaFlying Blue (Air France and KLM)Qatar Airways
    British AirwaysHawaiian AirlinesSingapore Airlines
    Cathay PacificHilton Honors (1:2)Virgin Atlantic

    PointsYeah will help you to quickly find reasonably priced flights FROM anywhere TO anywhere (try out our Daydream Explorer — it’s totally free).

    You can even filter your results to exclusively show seats that you can book with American Express Membership Rewards.

    With this card’s 100,000-point bonus, there’s virtually nowhere you can’t go. In fact, you can even go many places in a fancy lie-flat seat.

    For example, I was able to book a business class flight on American Airlines between Charlotte (CLT) and Paris (CDG) for just 55,000 Amex points and $19 in fees by transferring points to Hawaiian Airlines* (and onto Alaska Airlines). *Transfer ends 6/30/2025

    Is the Amex Business Gold Card worth a $375 annual fee?

    The Amex Business Gold Card charges a $375 annual fee (rates and fees). But don’t let that scare you off. It’s astonishingly easy to recoup your money from its valuable perks.

    If the below features are worth $375 or more to you, the card is an easy win.

    Annual statement credits

    The Amex Business Gold Card has a few easy-to-use statement credits that can save you hundreds each year:

    • Up to $240 in annual “Flexible Business Credit.” You’ll receive up to $20 in monthly statement credits toward eligible U.S. purchases made with FedEx, Grubhub, and office supply stores.*
    • Up to $155 in annual Walmart+ Credit. When you pay for a monthly Walmart+ subscription with your Amex Business Gold, you’ll get up to $12.95 (plus taxes) in credits each month to offset the cost (excludes Walmart’s “Plus Ups” subscription). Walmart+ comes with perks like exclusive discounts, free delivery from the store, and Paramount+.*
    • Amex Offers. Within your American Express online account are digital coupons that you can manually add to your card. These can save you money on purchases you already planned to make. American Express drops new offers all the time, so it’s worth checking back often.*

    *Enrollment required for some benefits

    Travel benefits

    The Amex Business Gold Card isn’t overtly a travel card (though it earns American Express Membership Rewards points, which are most powerful when redeemed for travel). Still, the card has a couple noteworthy travel perks:

    • The Hotel Collection. American Express handpicks more than 1,000 upscale hotels that, when booked through Amex Travel, come with elite status-esque benefits like room upgrades (when available) and a $100 property credit per stay. You must book at least two consecutive nights to qualify for these perks.
    • Travel insurance benefits. When you pay for your travel with the Amex Business Gold Card, you’ll get trip delay insurance, rental car insurance, baggage insurance, and more.

    0% intro APR offer

    The card offers 0% intro APR on purchases for the first six months from account opening, then 18.49% – 27.49% variable (see rates). Handy for those who foresee some business expenses that’ll need floated for a few months.

    Is the Amex Business Gold Card right for you?

    The Amex Business Gold Card is easily worth its annual fee for many — but not all. If you answer yes to even one of the below questions, chances are it’s a good deal for your lifestyle.

    Can you spend $15,000 within the next three months? To earn the card’s enormous 100,000-point bonus, you’ll have to spend $15,000 on purchases within the first three months from account opening. If you can achieve that with purchases you’d normally make, the bonus alone is motivation enough to give the card a test run. If you decide after a year that it’s not worth paying the annual fee, you can cancel or downgrade it in 12 months.

    Do you spend a lot in the card’s 4x categories?

    Earning 4 points per dollar is a nearly unprecedented return. If your business spends just a couple thousand bucks per month in categories like U.S. restaurants and U.S. gas stations, you could earn around 100,000 bonus points each year.

    Will the card’s statement credits actually save you money?

    The card’s up to $20 in monthly credit toward merchants like Grubhub and FedEx can be as good as cash to those who already make those types of purchases. Same goes for the monthly Walmart+ credits. If you already subscribe to Walmart+, it’s an effortless money saver.

    Is the Amex Business Gold Card easy to get?

    The Amex Business Gold is reasonably easy to get as long as your credit score is good (preferably 700+) and you’re a business owner.

    If you’ve already got an American Express card, Amex will likely let you see if you’re approved for the card before you formally apply. That way you won’t incur a hard credit inquiry for nothing.

    So yeah, that’s the deal

    The Amex Business Gold Card currently comes with 100,000 bonus points after meeting minimum spending requirements. In the rewards credit card world, this bonus is far above average.

    If you’re a business owner (whether you operate a coffee shop or you’re simply an Instacart delivery driver), the Amex Business Gold Card could be a fantastic addition to your wallet. It earns points quickly, and its ongoing benefits can save business owners serious money.

    For rates and fees of the American Express® Business Gold Card, click here.