🇨🇦 Credit Card Review

American Express Business Gold Rewards Card

American Express 🇨🇦 Canada Membership Rewards

PullThisCard NMDY Score

We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.

Top effective rate on this card: 2.6¢ per dollar. Full methodology →

Welcome Bonus

Estimated first-year bonus value

$910

50,000 points after $7,500 spend in first 3 months + 20,000 more after $30,000 total spend in first 12 months.

Conservative estimate at 1.3¢/point. Verify current offer before applying — bonuses change.

Earn Rates

Point value context: We value Membership Rewards at 1.3¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →

Category	Earn Rate	Effective Value
Gas & EV Charging	2x Membership Rewards	2.6¢/$
Groceries	2x Membership Rewards	2.6¢/$
Drugstore	2x Membership Rewards	2.6¢/$
Travel	2x Membership Rewards	2.6¢/$
Everything Else	1x Membership Rewards	1.3¢/$

Last verified: 2026-09 · Source: issuer's public product terms

Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →

Find the American Express Business Gold Rewards Card

Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.

Find American Express's card page →

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