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

Published on January 13th, 2015 | by William Charles

63

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)



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

  1. Oren says:

    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.

    • Kent C says:

      Well done!

    • Daniel says:

      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!

      • MJC says:

        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.

    • Carl says:

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

  2. Jeff says:

    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?

  3. Can says:

    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!”

  4. Too Nashty says:

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

  5. Michael B says:

    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?

    • MJC says:

      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.

      • Jackie says:

        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

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  7. JC says:

    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?

    • wisconsin says:

      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

  8. Tran says:

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

  9. preacher says:

    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?

  10. Elena G says:

    It took several tries but I got it thanks!

  11. preacher says:

    Is the 75K offer dead?

  12. Chris W says:

    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.

  13. Ming says:

    AF is $175, not $195

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  15. Carl says:

    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?

  16. Here is the offer code for the 75k Gold Biz Card. When you call you can give the agent this code 25FR-4NS7T7-2PVV-M3C

  17. nik says:

    @ Giddy for Points…thnk u so much for the code

  18. mo says:

    I was told it has to be a 14 digit RSVP code. the 17digit code didn’t work

  19. Chris Nigon says:

    I was told the same about the code being 14 digits not 17, can’t seem to replicate the application online as well for the 75K offer…maybe this one is dead.

  20. Ilya says:

    I was told the offer is dead 🙁

  21. ilya says:

    which browser/operating system did u use and was it incognito mode? thanks.

  22. italdesign says:

    over 100 Incognito windows. Only 25 and 50k offers.

  23. Conrad Gross says:

    Data point – The 75k offer came up for me after 1 minute of refreshing. Just got approved!

  24. ilya says:

    Conrad Gross, which system/browser did you use? Thank you.

  25. John says:

    I couldn’t get the 75,000 point offer to load before Jan 1st, but I got it to load today pretty quickly.

    FYI, I called and gave them the code above, but they wouldn’t take it saying that all codes are unique.

    • Thanks for the heads up and glad to see another data point of somebody getting the 75k offer recently. The code thing seems to vary by phone operator, so I’ll leave it there for now.

  26. ILYA says:

    I was able to get it through Chrome Incognito for my wife. Got this offer today in my own amex account “Get 75,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. Your application must be received by March 3, 2015 to be eligible for this offer. $0 introductory annual fee for the first year, then $175. This is a better offer but looks like targeted. There was no offer code.

  27. MJC says:

    There was a 75k offer after $5k spend available in May of 2013 which is clearly better. But yes, 75k is not a typical offer for the BRG.

  28. Lantean says:

    You keep posting about the 100k biz plat offer… but the trick no longer works. check out the FT thread… i tried it myself twice and they would no longer honor it unless i gave the reference number from pre-approved letter.

    • The last time I posted about the 100k biz plat offer, it worked. This is an old post which was republished because other bloggers were posting about an inferior 50k offer on this card.

  29. Ricky says:

    I can confirm that I was able to call and apply for the biz gold card with a signup bonus of 75000 points after $10k spend without using a RSVP code. I mentioned that I couldn’t find one on the application page and he said he would still offer it to me. After countless attempts using different browsers on multiple device I could not replicate the deal so this was much easier for me.

  30. Roger says:

    I’m fine with 50000 for $5000 spend why is the fed x deal worse and any word if this is a limited time offer?

  31. Jonathan says:

    tried for longer then I should have tonight. doesnt look like this method is pulling up 75k anymore. tried multiple browsers, multiple ips, too many times.

    if somebody does happen to get it to work, right click the “apply” button, click inspect element, then copy and paste what gets highlighted in the pop-up window here, and I can make the offer available to everybody via javascript manipulation.

  32. Joan says:

    Got the 75k offer with 10k spend by clicking the link from inside the Feedly app. Was approved instantly. Hope that helps!

  33. Katye says:

    Try to refresh with different computers for maybe 100 times in the past two months, no luck with the 75k offer (but 50k offer showed up a dozen times). Today (2/26/2015) for my app-o-rama, click on your link and got the 75k offer for the very first try!! Applied, when into pending, just called recon and approved right away, no additional question asked! This cheered me up after I got denied for chase Ink Plus today after answering a ton of questions over 30mins.

  34. Alonso says:

    Definitely keep trying for this.I decided to give it one more try today and was finally successful.

    It required me using a proxy to change my IP to look like I was coming from another state, though. Application went through and I was instantly approved for my first AMEX card (business or personal)!

    Good luck to everyone interested in this.

  35. Adam says:

    just wanted to give a heads up to folks still trying for this.

    I tried for a while, over a few days and the offer never showed on my computer (win7). firefox, IE… reg window and incognito.

    I opened it up on my other laptop, running win10 beta. opened in FF, low offer. opened in incognito first time and the 75k offer showed up 😀 … infact I applied, got approved, and the offer still keeps showing up in incognito!

    thanks will and co! appreciate y’all.

  36. The Hero says:

    For reference, I just applied and was approved for me and my spouse for the 75K offer after $10K spend. I got it to show up many times but I had to use a proxy server (I used safervpn which gives you a free trial for few hours, enough to apply). I was not able to get it in any other way.

  37. Dan says:

    Tried 5-10x via tor with no luck. Each time with a different IP address

  38. James H\. says:

    Sorry to bring up an old post, but wanted to suggest that in the future you note the DATE of the updates you post because it’s hard to know if this truly is an expired offer — just lots of info to sort through and it’s not clear what time frame your update refers to. Thanks.

  39. James H. says:

    Ah, good to know. Wasn’t sure if that was just the original post date (but looking closer there are earlier responses, so…). Appreciate your efforts, Thanks!

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