Amex Business Gold アメリカン・エキスプレス・ビジネス・ゴールド・カード
Gold business card · American Express International · Credit cards
Amex Business Gold is a Gold business card from American Express, issued on American Express. The annual fee is ¥49,500 including tax. Verify the current amount on the issuer page before applying. It earns Membership Rewards at a published base rate of about 1% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
- Annual fee ¥49,500 including tax
- Earns Membership Rewards at about 1% base rate
- Airport lounges
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥49,500 a year.
- Stated eligibility: Business owners / corporations; issuance remains subject to screening.
Fees: The annual fee is ¥49,500 including tax. Verify the current amount on the issuer page before applying.
Points and rewards
This card earns Membership Rewards at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Membership Rewards
- Base earning rate
- 1%
- What a point is worth
- Highly variable; Membership Rewards Plus improves many rates
Premium business package
High fee
How you earn
- Earning rule
- Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency
- Extra earning on this card
- Business and travel/dining benefits
- Programme bonuses
- Bonus Points Program and card-specific offers
- Spend that earns
- Eligible card shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated/reduced-rate categories
- Caps, registration and thresholds
- Airline transfer caps/fees; ANA course fee and 40,000-mile annual cap; partner minimums
- Expiry
- Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ
Using your points
- What points can be used for
- Airline miles; hotel points; card-charge offset; Amex Travel; checkout; gift cards/items/experiences; partner points; donations
- Statement credit or cash
- Point value varies by charge category and MR Plus enrollment
- Shopping and merchants
- Checkout/gift cards/items and partner services
- Airlines and travel
- Many airline partners; ANA/JAL and international programs with varying ratios
- Hotels
- Hotel-program transfers and Amex Travel
- Transit and e-money
- Indirect via statement/merchant uses
- Partner points and gifts
- Airlines, hotels, Rakuten and other current partners
- Investing and charity
- Donations; no general cash withdrawal
- Highest-value route
- A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus
Programme rules published by americanexpress.com · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- ¥49,500
- Insurance
- Travel insurance
- Lounges and travel services
- Airport lounges
- Family cards and ETC
- Employee cards
- Networks
- American Express
- Stated eligibility
- Business owners / corporations
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| American Express | ¥49,500 | Selectable network stated or represented at family level |
Card facts
- Network
- American Express.
- Annual fee
- The annual fee is ¥49,500 including tax. Verify the current amount on the issuer page before applying.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns Membership Rewards.
- Base earning
- It earns Membership Rewards at a published base rate of about 1% on eligible use; exclusions and rounding apply.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Membership Rewards sets the redemption options and the value of a point on its own programme page; the same earning rate is worth different amounts as a statement credit, partner points or miles.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Travel insurance. Activation, covered persons, limits and exclusions follow the policy guide.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Airport lounges. Access, guest and visit conditions are set by the current benefit terms.
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Employee cards
- ETC card
- Employee cards
- Stated eligibility
- Stated eligibility: Business owners / corporations. Issuance and limits remain subject to screening; no approval-likelihood claim is made.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Recorded from the issuer lineup and product page on the stated date. Terms, rates, benefits, insurance and campaigns can change; no approval ranking or foreign-resident eligibility claim is made.