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American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically. Run some searches before transferring.
It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 7th transfer bonus this year from a bank program to Virgin Atlantic. Most bonuses have been at 30%, although one from Chase for 40% just ended.
Best Uses of Virgin Flying Club points:
Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.
Another great use is on ITA Airways to/from Italy for 75,000 miles in Business Class. Surcharges are low; even FCO to JFK has only $55 in fees. (Expect that to end once Lufthansa closes on the ITA acquisition). And if you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)
The other, well known, “best use” is to book ANA First and Business class awards:
- First Class to/from Japan from West Coast: 145,000 points Round Trip
- First Class to/from Japan from East Coast: 170,000 points Round Trip
- Business Class to/from Japan from West Coast: 105,000 points Round Trip
- Business Class to/from Japan from East Coast: 120,000 points Round Trip
We have seen past bonuses from Chase and American Express of up to 70%, so while 35% seems like a large bonus, it’s in the midrange of historical bonuses. (See historical transfer bonuses to Marriott Bonvoy).
This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Membership Rewards point at almost 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Amex partners.
This offer runs through the end of 2024, so no rush to decide.
Bonus points for spend in the following bonus categories:
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The American Express Blue Business Cash™ Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Bonus points for spend in the following bonus categories:
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- Offers Extended Warranty, Purchase Protection
- No annual fee
Pros
- If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
- No annual fee
- Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.
Cons
- No bonus categories means no way to multiply your earnings
- Foreign transaction fees apply if you use the card abroad
- Does not have nearly as many Amex benefits as its fee-based cards
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Business Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.
KEEP IN MIND: Virgin Flying Club has moved to a dynamic pricing for awards. In some cases we are seeing extreme value like 29,000 point Business Class awards from the US to London. In other cases, the prices have risen dramatically. Run some searches before transferring.
It’s also worth Virgin Atlantic transfer bonuses are fairly frequent between various programs. See historical transfer bonuses to Virgin Atlantic here. This is the 7th transfer bonus this year from a bank program to Virgin Atlantic. Most bonuses have been at 30%, although one from Chase for 40% just ended.
Best Uses of Virgin Flying Club points:
Two great uses are domestically on Delta within the US or US-Mexico/Canada and for economy flights to/from Europe that are as few as 12,000 miles each way on partners such as KLM or Delta.
Another great use is on ITA Airways to/from Italy for 75,000 miles in Business Class. Surcharges are low; even FCO to JFK has only $55 in fees. (Expect that to end once Lufthansa closes on the ITA acquisition). And if you could actually find a Delta One award FROM Europe to the US, it would be just 50,000 points. Availability is a unicorn. Unfortunately, awards TO Europe on Delta now cost more and have $1,000 + surcharges)
The other, well known, “best use” is to book ANA First and Business class awards:
- First Class to/from Japan from West Coast: 145,000 points Round Trip
- First Class to/from Japan from East Coast: 170,000 points Round Trip
- Business Class to/from Japan from West Coast: 105,000 points Round Trip
- Business Class to/from Japan from East Coast: 120,000 points Round Trip
We have seen past bonuses from Chase and American Express of up to 70%, so while 35% seems like a large bonus, it’s in the midrange of historical bonuses. (See historical transfer bonuses to Marriott Bonvoy).
This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Membership Rewards point at almost 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Amex partners.
This offer runs through the end of 2024, so no rush to decide.
Bonus points for spend in the following bonus categories:
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
- With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
- Generous protections when using the card to make purchases that provide genuine peace of mind.
- Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.
Pros
- Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
- More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)
Cons
- High annual fee of $695
- While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
- Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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