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The American Express Business Gold - credit card review
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The American Express® Business Gold Card Review

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Matt Brown

The American Express Business Gold Card is the newest business credit card from American Express. Launched in November 2018, it’s a newly introduced version of the former Business Gold Rewards Card that offers improved earning rates, new bonus categories and a unique new way for businesses to maximize bonus category spending.

Welcome Bonus

In a bit of a surprising move, the Amex Business Gold Card was launched with a welcome bonus that didn’t include Membership Rewards points, which is definitely a bit of a shock since the $295 annual fee isn’t waived the first year either.

(Though a 50,000 bonus point offer can be found via a personal referral link)

Instead, the American Express Business Gold Card includes the following as the bonus:

  • Up to 1 year free of Google’s G Suite Basic – for up to 3 users ( $180 value)
  • Up to 1 year free of ZipRecruiter Standard

These benefits are offered in the form of statement credits, so you’ll have to sign up or change your billing information to your Amex Business Gold Card if you’re already a customer on these specific plans, in order to receive these benefits.

Shortly after the launch, American Express released a referral offer that includes a welcome bonus of 50,000 Membership Rewards points with a minimum spend of $5,000 in 3 months.

American Express Business Gold Card Earn 4x points on 2 select business categories. Terms Apply.Learn More

Bonus Categories

The new American Express Business Gold Card is unique in that it allows businesses to earn 4X Membership Rewards points per dollar on your two most used bonus categories each month. The spend in the remaining categories will earn 1X Membership Rewards point per dollar.

AMERICAN EXPRESS BUSINESS GOLD CARD - Bonus Categories

Under the previous Business Gold Rewards card, you had to select one of five categories to earn 3X Membership Rewards points per dollar and you were locked into that category for the entire year.

This new structure offers greatly enhanced opportunities, especially if you’re a business that spends heavily on more than 1 of the selected bonus categories.

The new Amex Business Gold Card also added U.S. restaurants as a sixth bonus category. This is a welcome addition and a great opportunity for those who regularly have lunch meetings.

These are the bonus categories:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

Perhaps, the most convenient feature of the new Business Gold Card is that American Express automatically determines which categories are your top two for the month and awards Membership Rewards points accordingly.

If you have a business that spends heavily on one of these bonus categories, this is a great card for you since you get more flexibility in bonus earning options for your business spending. The bonus category spend does have a cap of $150,000 in combined purchases per calendar year.

 

American Express Business Gold Card - bonus category - technology providers

U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions

Amex Offers

One of the biggest benefits behind most of the American Express cards is that they have access to Amex Offers. Amex Offers is a way for you to use targeted discounts for extra discounts and savings as well as to also earn extra Membership Rewards points at select merchants.

The available offers change regularly, so it’s always worth checking what might be available at select merchants as it can easily translate into hundreds or even thousands of dollars of savings annually — or tens of thousands of extra Membership Rewards points.

All you have to do is add the offers that you want to use to your American Express Business Gold Card and then use the card at that merchant and the offer will be applied to your account.

Screenshot 2018 10 25 22.05.23

Often, you’ll even find Amex Offers that overlap with the bonus categories for the Business Gold Card. In the screenshot above, if one of your top monthly 4X categories is shipping, not only would you be earning 4x Membership Rewards points for each dollar that you spend (up to $150,000), but you could also earn to 10% back on that first $1,000 in spend as well!

Membership Rewards: Transfer Partners And Rebate With Amex Travel

The Business Gold Rewards card earns Membership Rewards points. You can redeem these points in a number of ways, but in almost all cases the most lucrative ways to redeem them is by transferring them to any of American Express’ travel partners.

Airline Transfer Partners (transfer rate)Hotel Transfer Partners (transfer rate)
Aer Lingus AerClub (1:1)Choice Privileges (1:1)
AeroMexico Club Premier (1:1.6)Hilton Honors (1:2)
Air Canada Aeroplan (1:1)Marriott Rewards (1:1)
Air France KLM (1:1)
Alitalia Millemiglia (1:1)
ANA Mileage Club (1:1)
Asia Miles (1:1)
Avianca LifeMiles (1:1)
British Airways Executive Club (1:1)
Delta SkyMiles (1:1)
El Al Israel Frequent Flyer Club (1000:20)
Emirates Skywards Miles (1:1)
Etihad Guest (1:1)
Hawaiian Airlines HawaiianMiles (1:1)
Iberia Plus (1:1)
JetBlue TrueBlue (250:200)
Singapore Krisflyer (1:1)
Virgin Atlantic FlyingClub (1:1)

Along with earning and redeeming Membership Rewards points by transferring to partners, The Business Gold Card introduces its’ own version of a popular feature of the Business Platinum Card from American Express – the 25% airline rebate.

The Business Platinum Card from American Express Earn 50,000 points after you spend $10,000, an extra 25,000 points after an additional $10,000 all in the first 3 months. Terms apply.Learn More

If you book a flight with American Express Travel using Membership Rewards Points for first or business class airfare, or any class with your selected qualifying airline, you get 25% of those points back as a refund. It’s important to note that rebate only works if you book via American Express Travel, and don’t transfer your points to one of American Express’ numerous transfer partners.

American Express Membership Rewards points - Airline Transfer Partner - Etihad Airways

The Business Gold Rewards card earns Membership Rewards points.  Redeem Business Gold Membership Rewards points by transferring them to any of American Express’ travel partners.

With the rebate, select travel booked through American Express Travel will effectively be booked at the rate of 1.33 cents per point, instead of the standard 1 cent per point.

The Business Platinum Card from American Express offers a similar benefit, but it’s a 35% which comes out about 1.53 cents per point.

Final Thoughts

The Business Gold Card definitely has some big positives. Some of these positives that really stick out include:

  • 4x Membership Rewards points on two categories instead of just one bonus category
  • U.S. Restaurants as a sixth bonus category
  • Categories are no longer locked into an entire year and instead are determined by monthly spend
  • 25% Pay with Points rebate

On the negative side, it’s definitely disappointing to see a card with a $295 annual fee – that isn’t waived the first year like previously on the Business Gold Rewards Card – launched with no welcome bonus.

However, if your business can take advantage of the increased bonus category cap and bonus category flexibility, this card can help you earn tons of Membership Rewards points. All in all, it’s a good effort from American Express, we just wish they’d add a real welcome bonus.

American Express Business Gold Card Earn 4x points on 2 select business categories. Terms Apply.Learn More

Editor’s Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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How to Fly Around the World Using Singapore KrisFlyer Miles
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How to Fly Around the World Using Singapore KrisFlyer Miles

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Anya Kartashova

Have you ever wanted to book a round-the-world (RTW) trip but didn’t know where to begin?

Did you know that it’s possible to book such an extravagant journey with just one award ticket? Although many frequent-flyer programs have done away with RTW awards, it’s still possible.

One of the few programs that still allow you to book these fun awards is Singapore Airlines KrisFlyer.

Let’s take a look at how you can book a RTW award with Singapore KrisFlyer miles!

HOW TO FLY AROUND THE WORLD USING SINGAPORE KRISFLYER MILES

You can transfer points to Singapore KrisFlyer from all major transferable points programs: American Express Membership Rewards, Chase Ultimate Rewards and Citi ThankYou Points. Each of these programs transfers points at a 1:1 ratio.

Why Singapore KrisFlyer Miles?

There are two reasons you might want to book with KrisFlyer miles:

  1. Reasonable redemption rates for round-the-world tickets
  2. Ease of accumulation

If you’re thinking, “But wait! I don’t have any Singapore miles,” do not fret. They’re much simpler to obtain than you think, especially if you prefer collecting transferrable points.

You can transfer points to Singapore KrisFlyer from all major transferable points programs: American Express Membership Rewards, Chase Ultimate Rewards and Citi ThankYou Points. Each of these programs transfers points at a 1:1 ratio.

Marriott Rewards points can also be transferred to Singapore KrisFlyer as well at a 3:1 ratio Additionally, every 60,000 points you transfer at once will provide a bonus of 5,000 miles. In other words, 60,000 Marriott points will net you 25,000 KrisFlyer miles.

Marriott Rewards Premier Plus Credit Card Earn 75,000 bonus points after you spend $3,000 in the first 3 monthsLearn More

It’s even possible to redeem miles for another traveler, which means you can book both tickets from the same account and share this unforgettable experience.

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How To Beat United Basic Economy
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How to Beat United Basic Economy

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Travis Cormier

Hey Travel Junkies,

As a Houston native, I fly United quite a bit.

I don’t mind flying United Basic Economy to get to my destination when I am flying alone. Sometimes all I need is a flight from point A to point B.

When flying Basic Economy on United, I want to be sure I’m getting everything I need. If I’m taking a bag with me, I want to be sure I can check it or bring it as a carry-on. I may even want to select my seat.

Many unsuspecting travelers have been caught off-guard by Basic Economy and there are some restrictions that might surprise you.

Let’s take a look at the United’s Basic Economy rules and how you can avoid some of the pitfalls.

How To Beat United Basic Economy

United’s Basic Economy rules and how you can avoid some of the pitfalls.

The Best Credit Cards to Beat United Basic Economy

Before we get into United’s Basic Economy rules, let’s look at the available co-branded credit cards that can help you beat United Basic Economy. There are four United credit cards that can help you avoid some nasty fees:

  • United Explorer Card
  • Chase United MileagePlus Club Card
  • Chase United MileagePlus Explorer Business Card
  • Chase United MileagePlus Club Business Card
United Explorer Card 40,000 bonus miles after $2,000 spend in 3 months(Learn more)

 

Most travelers will find the benefits offered by the Chase United Explorer personal or business cards to be enough to beat United Basic Economy. There are additional benefits to the Club cards — United Club access — but these benefits come with a much higher annual fee.

With any of these credit cards, you’ll receive at least one free checked bags for you and one companion when you purchase your ticket using your United co-branded credit card. If you hold either the MileagePlus Club Card or MileagePlus Club Business Card, you’ll receive your first and second bag for free.

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