The American Express Business Gold Rewards card is a business charge card that keeps business moving, while allowing for the participation in programs that help cardholders get the most out of the card. These programs enhance the experience of owning this card with built-in support and unique rewards.
At a glance, it is easy to see that this is a card that means business because it provides a high degree of peace of mind and gives access to benefits and unprecedented customer service. There are also tools that are specially engineered to help cardholders stay productive no matter where they are conducting business in the world.
There is also the ability to accelerate point earnings on everything that is purchased for the business. When there needs to be multiple cardholders within the business, the fee for additional cards is $0 the first year and then there is a small fee for each additional card every year after that.
As stated before, point earnings can be accelerated. Cardholders can earn 3 times the points on airfare, 2 times the points for business purchases that include gasoline, media, shopping, and advertising. All other purchases earn one point for every dollar charged to the card. There are also cases when bonus points may be earned on eligible purchases.
Once the points are earned, they can be used to offset business expenses, such as office supplies, annual card fees, shipping, car rentals, and more. They can also be used to thank employees by giving them gift cards or engaging in events or travel. Points can even be used to purchase Facebook ads or to fly on any airline at any time without seat restrictions or blackout dates when using the American Express travel site to book the trip.
There are also a number of protections built into the card, such as protecting eligible purchase from accidental damage and theft through the Purchase Protection program. This program protects items up to 90 days after they are purchased.
Return protection results in the refund of an item up to a specific amount when a store of vendor will not take back the eligible item that was purchased with the card. There is a yearly maximum per account for this service.
The extended warranty service extends the warranties of eligible purchases. There is a limit per occurrence and there is also a yearly cap on how much coverage can be provided. This program applies to purchases with warranties that are 5 years or less.
When traveling, protection can be had in the way of the Baggage Insurance Plan, which covers up to a certain amount of carry-on luggage and up to a certain amount on checked baggage. To qualify, the plane, ship, train, bus, or helicopter ticket must be purchased with the card.
If renting a car, Car Rental Loss and Damage Insurance helps pay for damages to a rental car if the car is damaged. It also covers it if it is stolen. If the car rental is for 30 days or more, the coverage is in effect the first 30 days.
And because identity theft is an issue, there is identity theft assistance. If you suspect that your identity has been stolen, call American Express as soon as possible to inform them. American Express will help you sort the ordeal out.
There are a number of tools that are made available in order to enhance business efficiency. In addition to the Membership Rewards points that are given for employee spending, there is the ability to create spending limits on the additional cards. These controls can be accessed online or by calling the customer service number on the back of the card. Alerts can also be set up to track the spending on the supplementary cards.
In order to make transactions easier to track at the end of the year, you can track and categorize business expenses and also have the data needed to file business taxes. This is important when needing to have proof of business transactions that are being claimed on a tax return. This is why it is helpful to make all advertising, office supply, and other such purchases on the charge card.
The last tool is the access to the Open Forum. This is an area online where cardholders can research videos and articles that feature experts in a variety of industries. The forum is also used to receive advice from thousands of cardmembers. If you can't find a topic, you can easily start your own discussion and see if others will chime in with an answer. This also provides networking opportunities because you may have something that someone in the forum needs.
In addition to all of the aforementioned features, you receive the Fraud Protection Guarantee that protects against fraudulent use of the card. If there is fraudulent use and care has been exercised in ensuring the card details are not compromised, the cardholder is not responsible for the charges. The process that helps streamline this is the Dispute Resolution process, which is when a specific charge is investigated the moment you make American Express aware of it. Even if it is a valid charge, you do not have to pay it until the issue is resolved. With online account management, you can easily keep track of transactions, which will help you quickly identify any fraudulent charges in the account. In fact, online account management is the way to receive account alerts, obtain a year-end summary, and view online statements so that reports can be prepared.
Overall, the American Express Business Gold Rewards card is a way to manage business purchases, track purchases, and earn rewards while doing it. Reward points can then be used to save the business money in other ways, while American Express makes available tools that can enhance business efficiency.