*WATCH ME APPLY* Pre-Approved Amex Business Card (Amex Business Gold Card Application 2021)
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THE CARD
American Express Business Gold Card
THE OFFER
Earn 90,000 Membership Rewards points after spending $10,000 in purchases in the first 3 months of card membership. I value this at $990 cash since I’d redeem via my Schwab Platinum Card, which makes points worth 1.1¢ each.
THE OFFER TYPE
Pre-approved offer via direct mail
THE REWARDS
– 4X Membership Rewards points in the 2 select categories where you spend the most each month, valid on the first $150,000 in combined purchases. Eligible categories include: Airfare (purchased directly from airlines), Advertising (U.S. purchases in select media: online, TV, radio), Technology (U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions), U.S. Gas Stations, U.S. Restaurants, and with U.S. Shipping providers.
– 1X on all other purchases.
SEVERAL KEY BENEFITS
– Trip delay insurance
– 25% Airline Bonus
– No Preset Spending Limit
ANNUAL FEE
$295
MY CREDIT FACTORS – BEFORE
Credit Score
– Experian: 789 (FICO Score 8)
– TransUnion: 805 (VantageScore 3.0)
– Equifax: 826 (VantageScore 3.0)
Inquiries
– Experian: 9
– TransUnion: 5
– Equifax: 0
New Accounts
– Past 12 months: 2
– Past 24 months: 6
Average Age of Accounts
3 year 9 months
Prior Relationship
– Various personal + business Amex Cards | Member Since ‘13
– 1 Business Gold Card: Opened 9.18.2017 | Closed 10.19.2018
– 1 Business Gold Card: Opened 11.30.2020 | active (10 mo.)
MY CREDIT FACTORS – AFTER
– No changes to anything
WHY I CHOSE THIS CARD
1. WELCOME BONUS
– 90,000 Amex Membership Rewards points = $990 cash (when redeemed via Schwab Platinum Card at 1.10¢ per point). Subtracting the $295 annual fee, that leaves me with a $695 profit.
2. BUSINESS CARD 💳
– Does not appear on personal credit report
– Does not affect my Chase 5/24 count
3. NO INQUIRY / HARD PULL 📄
– Preexisting card relationship with Amex = soft pull*
*Not guaranteed, but very likely
LIFETIME LANGUAGE
There was no Amex Lifetime Language on the physical mailer or on the online application.
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#amexbusinessgold #americanexpress #amexbusinesscard
