Posted by Chuck on January 7, 2019
Credit Cards

Published on January 7th, 2019 | by Chuck

102

[Dead] Amex Business Gold $295 Annual Fee Waived First Year via Referral

[Update 1/7/19: Deal appears dead now. Those applying now are seeing the regular $295 fee. Those who got in beforehand will hopefully retain the $0 fee for first year.]

The American Express Business Gold card comes with an annual fee of $295, no mention of it being waived the first year. However, multiple r/churning members note that the cardmember agreement showing after card approval shows the annual fee waived the first year. In the Amex online login, go to Account Services > Request Cardmember Agreement to see the terms on your card.

From the data points on Reddit and in the comments here, it looks like all of those seeing the fee waived are those who applied through referral links, while using an ordinary link does not result in the fee waiver. Regardless, it could just be a mistake, but so far data points indicate the fee hasn’t been charged, even after two billing periods, for those who used a referral link.



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J. Grant
J. Grant

Well, if it’s in the fine print, then it has to materialize for those that applied with $0 in the TOC.

Mark
Mark

Just got it recently with the ziprecruiter credit and was charged the annual fee

Sue
Sue

Did mine through a self referral. My card member agreement also says $0 for the first year. I’ve had 2 billing periods and it has not been charged yet.

jr
jr

if you don’t mind sharing, self referral from which AmEx card?

Dan - Legal Bank Robber
Dan - Legal Bank Robber

I did mine from Biz Plat

Blootie
Blootie

When did you open your biz plat? Considering using a self referral from my Biz plat opened in Dec2018 but idt its worth risking $295 for 15k MR lol

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Well you’re also getting 50k MR from the biz gold sign up. If you don’t want to self refer just use mine hehe. But to answer your question I opened my biz Plat in Nov.

Blootie
Blootie

Appreciate the reply! Used a friend’s link and it seems to have the AF waived. Thanks for the offer though and cheers to us 🙂

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Of course, my referral offer was mostly joking. Enjoy the bonus and no AF.

Sue
Sue

Mine was Amex Plat.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Thank you for taking my name out Chuck
I mean you’d be dumb not to apply through a referral. There is only a signup bonus offered through referral.

Yet Another Redditor

Link to that discussion is here https://old.reddit.com/r/churning/comments/ad4qji/daily_discussion_thread_january_06_2019/edea1ev/

This is potentially awesome if it holds up..

Stan
Stan

i’m sure someone will call AMEX to ask about this and ruin it

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Oh it’s already been done I bet. Some jackass.

ElJefe
ElJefe

Good point, I got my wife the new card with a no lifetime language and kind of forgot I haven’t seen the charge for her new card.

TravelinPoints

This isn’t new. This has been going on for a while and (based on what I’ve been told) it does hold up. It will likely die soon now that it has reached the masses. Also, lookup Business Plat $0 fee event from few years ago. It’s the same thing. People who got it got AF waived. Those who didn’t, didn’t. You can see if you qualify or not by checking YOUR cardmember agreement (online or the one that comes via mail).

22calbr
22calbr

Does the lifetime language apply to those who previously received a bonus on the “old” business gold rewards card?

AJ
AJ

Can confirm, just referred myself using Amex Biz Plat link and got approved. Member agreement shows an annual fee of $0

Blootie
Blootie

When did you open your Biz plat, if you don’t mind me asking? Grats on the approval and waived fee though!

AJ
AJ

Dec 2018

Blootie
Blootie

Thanks for the reply! Just missed my own self referral by a few minutes haha oh well

AlwaysChurning
AlwaysChurning

Showed that before you hit submit? Or after you got your card agreement?

AJ
AJ

It did not show before applying. I verified it after applying though and it days first year $0

AlwaysChurning
AlwaysChurning

Thank you for the response! I was a little leery because checking the card terms before hitting apply didn’t mention it. But, now that I have it, the website confirms. Saving this one that says $0 for my records, of course. Wouldn’t have done it without your data point. Thank you again!!

AJ
AJ

Yea, I saved mine as well. I am glad I could help 🙂

Joe
Joe

Same here applied through referral and showing 0 annual fee

Jack - NJ
Jack - NJ

Not worth it with the current bonuses. Only bonus offer is 50k after 5k spend.

qmc
qmc

But if you self-refer, you get no AF (unless you expect the AFW to be coming back with a better offer), and 10-15k extra MR for the referral

William Charles

Doubt it’s gonna get any better than that with the AF waived

AKSF
AKSF

Can we share referral links here?

William Charles

No.

AJ
AJ

Is there a page already where can share the referral?

William Charles

There was, but that page was locked (we usually lock referral posts after 24-48 hours). You can still get referrals from that page.

dan
dan

after the acct is instantly approved, where to view/check that the AF is $0 or not? TIA

dan
dan

edit: nvm, found it; showing the following:

Fees
Annual Membership Fee $0 for the first year, then $295

Rickie
Rickie

Where did you find it?

LoveToTravel15
LoveToTravel15

Never mind, I logged in and look for it in account services under request cardmember agreement and found it is also $0 for the first year, then $295

Blootie
Blootie

Make sure you added your card to your existing account, log in, find the drop down that shows all your cards and click on the biz gold. Scroll down a bit and its to the right, under “Useful Links”. Download your cardmember agreement and check it. Fingers crossed

dan
dan

yep. click on”cardmember agreement’; then it shows

LoveToTravel15
LoveToTravel15

Where do you see your? I got approved and it told me to create username then it logged me out. =(

wellswall
wellswall

I’m in the same boat- got approved and followed the link for username- now says bad gate. Well hopefully It gets corrected soon.

LoveToTravel15
LoveToTravel15

Thank You Doc!

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