American Express Business Gold Card
Earn points and manage business spending flexibly.
Score: 7.6 / 10 · Good
Rating: 8.6 / 10 · No reviews yet
Best for: Business travellers & points collectors
Overview
The American Express Business Gold Card is a charge card from American Express on the American Express network. Earn points and manage business spending flexibly. The annual fee is €175 (free in the first year). A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Business travellers & points collectors. Its strengths lie in collecting points or miles (worth approx. 0.4 %), included travel insurance, the welcome bonus and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 7.6 / 10 · Good
| Costs (30 %) | 4.4 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 4.3 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Free in the first year
- Earn Membership Rewards points
- Comprehensive travel insurance
- Employee cards available
Costs & Fees
| Annual fee | €175 |
|---|---|
| Welcome bonus | +€150 |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
€150 welcome credit subject to conditions
The annual fee is €175, with the first year free. Outside the euro area a 2 % foreign currency fee applies. A fee of 4 % (min. €5) + 2 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 4 % (min. €5). New customers receive a welcome bonus of €150. Billing: Monthly billing, full balance settled by direct debit.
Redirect to provider · non-binding
This card in our comparisons: Miles & Cashback Credit Cards · Credit Cards With Insurance · Business & Corporate Credit Cards · American Express Credit Cards: Comparison & Overview
Related guides: Credit card security: fraud and liability · Credit card travel insurance: what's covered · Credit card instalments: interest explained
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Frequently asked questions
- What does the American Express Business Gold Card cost per year?
- The American Express Business Gold Card costs €175 per year; it is free in the first year.
- Does the American Express Business Gold Card charge foreign currency fees?
- Yes. Outside the euro area the American Express Business Gold Card charges a 2 % foreign currency fee.
- Is the American Express Business Gold Card a genuine credit card?
- The American Express Business Gold Card is a charge card — transactions are collected and billed periodically.
- Does the American Express Business Gold Card include travel insurance?
- Yes, the American Express Business Gold Card includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the American Express Business Gold Card require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the American Express Business Gold Card; a negative SCHUFA record can lead to rejection.
- How is money on the American Express Business Gold Card protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.