A competing business card with no preset spending limit is the American Express® Business Gold Card. With this card, you’ll get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*. Categories include:
- Airfare (when purchased directly from airlines)
- Advertising on TV, radio, and online
- Computer hardware, software, and cloud systems (from select technology providers)
- Gas station purchases
- Restaurants (including takeout and delivery)
All categories except airfare are restricted to U.S. purchases for earning the 4X rate. In addition, the 4X rate only applies to the first $150,000 in purchases in eligible categories per calendar year, after which you’ll earn 1X on all spending. If you max out that spend amount, you can earn 600,000 points at the boosted rate — that’s worth $6,000 if you redeem each point at a 1 cent value.
Note that the American Express® Business Gold Card charges a $295 annual fee.
You should also be aware that having no preset spending limit doesn’t mean you can spend an unlimited amount; what you can spend will adapt based on factors like your purchase and payment history.
To see rates and fees for the American Express® Business Gold Card please click here.