American Express Business Gold
Flexible 4x categories that match your spend
4.7
Editor rating · out of 5
Best for: LLCs whose biggest expense category shifts month-to-month
Best for LLCs whose monthly categories shift — software one month, advertising the next. Amex picks your top 2 categories automatically each month.
Pros and cons
Pros
- +4x rewards auto-adjusts to your top spending categories
- +Membership Rewards transfer to 20+ travel partners
- +$240 flexible business credit (Walmart+, FedEx, GrubHub)
- +0% intro APR on purchases for 6 months
Cons
- −$375 annual fee
- −4x capped at $150k/yr combined
Key details
Annual fee
$375
Top categories
4x (auto-selected from 6 categories)
Foreign transaction fee
0%
Intro APR
0% for 6 months
See how it compares
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