This equates to 52,820 Membership Rewards points. Since rewards categories are dynamic, it’s reasonable to assume that half of a business’s $26,410 in expenses would fall into one of the top two categories that earn 4 points per dollar each month. We’ll assume that this business has $52,280 in expenses and that half, or $26,410, can reasonably be charged to a card. This tracks with the 70th percentile of American households. To determine the rewards potential of the American Express Business Gold Card, we have to look at how much the business spends on 4 points per dollar bonus categories and whether it crosses the combined $150,000 threshold.įor our purposes, we analyzed a small business based on a sole proprietorship with $100,172 in annual income. Remember to compare pricing between the Amex Travel portal and the number of points needed to redeem for the award ticket through the airline’s frequent flyer program. Flights in Delta One often cost north of $2,100, even for discount business class fares from New York Kennedy (JFK) to London Heathrow (LHR), making points worth 4.4 cents each for this redemption.īy this rationale, if you can find award availability where your points are worth more than 1.33 cents per point, transferring points is a more viable redemption choice. Membership Rewards points can be transferred to Virgin Atlantic and used for Delta Air Lines flights in Delta One from the U.S. But using Membership Rewards points to book premium cabin flights directly isn’t the only or even the best way to fly up front. Hotel partners include Marriott, Hilton and Choice Hotels in the U.S.īy opting to transfer points, particularly to airlines, it is possible to get elevated value versus paying cash or booking directly through American Express Travel using Membership Rewards.Īs shown above, you can book premium class tickets using your Membership rewards points at a value of 1.33 cents per point. Points can be transferred over a dozen airline partners including Delta, British Airways Avios, Air France/KLM Flying Blue and Virgin Atlantic FlyingClub. The second and potentially more valuable option is the ability to transfer Membership Rewards points to one of Amex’s airline and or hotel travel partners. Effectively this option amounts to redeeming Membership Rewards® at a minimum of 1.33 cents per point. If you book any class flight with your selected qualifying airline, or a First or Business class flight on any airline via Pay with Points, you will receive a 25% points rebate. Pay with Points requires a minimum redemption of 5,000 points. You can book travel which includes airfare, hotels, cruises and more through American Express Travel using Membership Rewards® Pay with Points. There are two ways to redeem points for travel as a cardholder. Savvy cardholders will discover that redeeming Membership Rewards points for travel is typically the best use of points. Cardholders can redeem points for merchandise, gift cards or a statement credit on their bill. There are various options for redeeming rewards with the American Express Business Gold Card. The American Express Business Gold Card also offers a welcome bonus: 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first 3 months of opening an account. All purchases outside of bonus categories earn 1 Membership Rewards point per dollar spent. hardware, software and cloud purchasesĪfter $150,000 is spent on purchases in bonus categories each account anniversary year, cardholders will continue to earn at a rate of 1 point per dollar spent, with no maximum limit. Airfare purchased directly from airlines.The highest-earning categories are selected automatically and change monthly, based on your spending patterns. The American Express® Business Gold Card awards 4 Membership Rewards points in select categories where your business spends the most each statement cycle.
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