American Express Business Gold Rewards Card is a Charge Card
With a charge card, there are no interest charges because you pay your balance in full each month. If you become eligible, you may be given the option to extend payment over time on certain charges using Amex’s Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time. But remember, this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Earn Membership Rewards with the card. Learn about the American Express Membership Rewards Program here.
Earn Points on Spending
As of January 2015, you can choose one of the five categories to earn 3x Membership Rewards points per $1. These categories are…
Airfare purchased directly from airlines
You earn 2x Membership Rewards points in the remaining four categories and 1x points on all other purchases. 3X and 2X points are received only for the first $100,000 in purchases in each of the five categories per year. 1X points thereafter.
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
Transfer Points To Over 20 Frequent Traveler Programs Or Use Membership Rewards Pay With Points
Purchase Protection protects eligible purchases made with the Card in the event they are accidentally damaged, stolen, or lost for up to 90 days from the date of purchase.
The Points Mom and the American Express Business Gold Rewards Card