Posted by William Charles on January 13, 2015
Business Credit Cards

Published on January 13th, 2015 | by William Charles

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American Express Business Gold: Up To 75,000 Membership Rewards Points Annual Fee Waived

Update 3: It seems like they are using more highly targeted means now, opening lots of incognito windows will no longer work. Readers have had success with using their work computers and also using IPs in different states (when visiting friends/family or travelling for work). It also seems like you need to click on the card from home page (e.g click view all business cards then the gold card) for some reason (obviously trying to stop people like us).

Update 2: There is a new offer which is 75,000 points after $5,000 in spend. Find out how to get this bonus by clicking here.

Update: I am reposting this offer because it is still available and other bloggers are posting about this inferior 50k offer via FedEx. I can confirm that the 75,000 link is still available (Jan 13th, 2015), I had to open about 40 browser windows before it appeared. After you apply online it will say something along the lines of “Pending, please call in” just wait a few hours and check the application status it should not require calling in. There is also now a 50,000 personal offer available (might be 75,000 but can’t get that to load yet).

The Offer

  • American Express is currently split testing three different offers on their Business Gold Rewards card. All of them have the annual fee waived for the first year, the offers are as follows:
    • 25,000 Membership Rewards points after you spend $5,000 or more within three months
    • 50,000 Membership Rewards points after you spend $5,000 or more within three months
    • 75,000 Membership Rewards points after you spend $10,000 or more within three months

Getting the different offers is a bit tricky. You need to open this link: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards and keep using different browsers/devices until you see the offer you’d like to apply for. I think the easiest way to get this offer is to keep opening incognito windows into chrome and pasting the link until you see the offer you like. Alternatively, you can just call American Express and say you saw the 75,000 point bonus in your browser and ask to apply for it that way (this is the same way you can get a 100,000 point bonus on the American Express Business Platinum card)

The Fine Print

  • Offer only available to those who have not held this card in the previous twelve months (American Express business cards are churnable)
  • Annual fee of $175 is waived for the first year
  • This is a business card, you’ll need a business to apply for it
  • Card earns at the following rates:
    • 3x on airfares purchased directly through the airline
    • 2x on purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers
    • 1x on all other purchases

Our Verdict

This bonus regularly goes up to 50,000 points, but I’ve never seen it as high as 75,000 points (Update: It was 75,000 points with only a $5,000 spend back in 2013 according to MJC). Given that the annual fee is waived for the first year this is a great deal. The main downside is that you’re required to spend $10,000 to get the points. Let’s assume you make $10,000 in purchases at a gas station to earn the sign up bonus, you’d earn 20,000 points in addition to the sign up bonus but you could have used a cash back card that earns 5% at gas stations instead which means you have an opportunity cost of $500 (less whatever you value 20,000 points at).

I think the best way to meet this bonus is to put purchases that don’t have a category bonus associated with them, that way your opportunity cost is much lower. I’m going to apply for this card as I think 75,000 flexible points without an annual fee is a great deal – I also have a business so I don’t expect too much trouble with reconsideration if I’m not approved automatically.

What do you think of this deal? Are you going to apply?

Hat tip to Points Centric (follow this blog if you haven’t already, lots of good stuff recently)



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I got this offer in the mail and applied for it. I bought American Express gift cards via Top Cashback for the $10,000 so I ended up with 85,000 points. Top Cashback was offering 1.5% cashback and I liquidated via Google Wallet for a 2.9% fee, which is -1.4% overall or $140. I think $140 is a great price to pay for 85,000 MR points and very little time commitment.

Well done!

Totally agreed. Good job! 2 questions for you :

1. Did the 10k points actually post? I know Amex sometimes won’t count gc purchases as points-earning.

2. Did you buy business gift cards or personal?

Cheers!

Amex has never not counted GC purchases as points earning. I do 5 figures monthly of Amex GCs directly through Amex, I’ve done pharmacies, grocery stores in the 5-6 figure range a month. I’ve done office supply store gift cards when Sync offers show up. And they have always counted for points. And been bonuses as appropriate depending on where the sale was done.

How do you liquidate with google wallet? 2.9 fee to load gift cards and then how do you get money off? atm or ?

I’m in OKC and planning to get Redcard tomorriw. I’ve read a lot about Amex charging “cash advance” fees and/or shutting people down for gaming the points system.

The obvious question I’m leading to is how safe you think Redcard would be for manufacturing spend on this(or other) Amex?

Thanks for the tip that Amex Business cards are churnable. I did not know. I got this card w/50k bonus and just receive a “targeted” bonus of 10k for signing up for their “extended payment option”. I do not have a business but I travel for my job and pay expenses out of pocket and am reimbursed. Before applying I explained this to an Amex rep and they said I would still qualify. Said “Just apply as a sole proprietorship!”

Can you get the business platinum sign up bonus if you receive the gold’s sign up bonus?

What to do with 75,000 Membership Rewards if one is not a traveler? I know they have gift cards but I’ve heard the selection is not good. Do they spend on Amazon at $.01 per point, or is it a crappy redemption rate?

Nontravel redemption is capped at 1 cent/dollar. The most flexible option is using them towards American Express gift cards which you can use anywhere like a normal Amex card at a $0.01 redemption rate. Get out of the shipping fee with a trial premium shipping plan, go through a cash back portal for cash back to way more than make up the for purchase fee. You can use MRs for Uber at a $0.01 per MR rate. Or you can sell them to a broker. Not sure what the going rate is for that, probably a bit above 1 cent, like 1.2 or 1.3. But really, do you never fly at all? Because even something like transferring to British Airways for use on short haul American flights is likely to get you way better value than 1 cent.

so if I sign up I can go to amazon and purchase american express gift cards and apply for free shipping with a trial program and thats it? Im new at this

I applied for the Amex Business Platinum 4 months ago and received 100,000 points, can I apply for a Business Gold card and get the 75,000 bonus since technically they’re 2 different cards?

Does Amex care how often you apply for an amex card?

You can actually be eligible for the bonus points. if you call, there is a department that offers 50k points after you spend only 2000 in the first three months and is available if you do not have or if you have never had the business gold rewards card. the number is 844-349-7984 and the application would be done over the phone with an answer by the end of the 15 minute call. I did it and got approved

Thanks for the offer info and the incognito tip, which worked on my first try. Submitted app & received approval email in an hour.

Only the 25K and 50K links are loading in incognito for me, after multiple tries. Should I assume the 75K offer is dead as of overnight, or has anyone been able to load it today?

It took me about 20 tries before the 75K offer appeared.

It took several tries but I got it thanks!

Is the 75K offer dead?

I just applied and received the 75K point/no annual fee offer. However, I got the offer on the first click of your link on my Chrome browser (not in Incognito mode) but I don’t have cookies enabled either.

AF is $175, not $195

[…] Doctor of Credit, you can get 75,000 American Express Membership Rewards points on the American Express Business […]

After five minutes, I managed to get the 75k, 10k spend offer to load. However, I decided to wait to apply since just 2 weeks ago, we got 8 new cards between my wife and I for 32k spend and could absorb one more 10k spend in 3 months (4 of the 8 are spg amex. 2 pers, 2 business). Decided I didn’t want to risk a FR until we met spend on the 4 amex SPG cards and points posted so as to limit exposure to potential FR for this card. Thoughts?

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