Amex 75,000 Point Business Gold — Expires TOMORROW

I meant to write about this a few days ago, but other posts got in the way.  I got this card during one of these limited time bonuses in the Fall and my 75k posted promptly.

Business Gold Card

Business Gold Card

While the application link states March 14 expiration, The Points Guy reports that the offer ends tomorrow at 2pm.  So while you may be OK to wait, why not apply now just to be safe?  Note that the link to the card in his blog is an affiliate link that earns him a commission.  The link below in this post does not earn me or anyone else a commission.

This is essentially the business version of the personal Premier Rewards Gold Card with a similar 3/2/1 earning structure.

The spend requirement on this card is a hefty $10,000 within 4 months of your approval, but if you can manage it, then I do recommend this card at this bonus.  With a 50% transfer bonus to British Airways, for instance, that’s enough for 25 short haul flights on American.

Business Gold Application Link

This card earns 3X on airfare, 2X on advertising, gas and shipping and 1X on everything else, so you can make good use of this card in the next year–the first year is free.

Since I spend entirely too much money with Google AdWords in my business, I am actually going to keep this card to earn 2X on advertising, but most folks will probably want to ditch this one after the first [free] year.  Remember that business cards don’t sit on your personal credit report, so adding this card won’t pull down your average age of accounts.  The flip side is, of course, that your good payment history doesn’t help your personal credit, either…

You do not need to own a business to apply for the business card.  You can apply as a “sole proprietor” and use your social security number instead of an EIN.

Note of caution: This card is known to be a financial review magnet for those who apply without an EIN.  As a result, you should be extremely honest on your application in characterizing your income and assets if you’re applying as a sole proprietor.  I would also be a bit cautious in manufacturing spend for 100% of this bonus.  I would aim for at least 2/3 to be done in legitimate spending.

Travel the World For Free!


  1. Justin,

    I clicked the a link on the application page tonight to receive a call from American Express to conduct the application process over the phone. I asked for the 75,000 point offer after 10k in spending over the first 4 months and the representative said she would add that offer onto the card. She later said that “cash equivalents” would not count as eligible purchases.

    So my question is, are Vanilla Reloads cash equivalents that would not count toward the minimum spending?

    • We Fly Free says:

      First, I hope you have some record that the offer was provided to you, as this one seems to be the card/offer where the bonus is most often “lost in translation.” I had to engage their Twitter team, executive offices, and several supervisors, provide screenshots and be persistent to get my bonus in the Fall. I’d reconfirm upon activation and then do it again via Secure Message just to get it in writing from them. In the mean time I’d take screenshots of the offer page at the very least should you need them later.

      Second, I don’t recommend spending too much of your minimum spend at CVS (or any other one place). This card is a financial review magnet, and especially if you applied as a sole proprietor, you could ruin your relationship with Amex–and if they ban you (though that would be an extreme step), it’s for life and tied to your SSN.

      To stay under the radar, I’d first put as much real spend on it as possible, and then buy Visa/MC/Amex gift cards at Home Depot, Lowe’s, Walmart, Target, etc–places businesses conceivably could be spending lots of money. You’ll obviously need to be able to afford the float, but it’s much safer than reloads at CVS.

      All of that said, to answer your question: they don’t seem to enforce the cash equivalents restriction if you buy them from “regular” retailers. If you were to spend $2000 at “MoneyGram” or something making it obvious that you’re buying a cash equivalent, you could conceivably not earn points and/or have it count toward minimum spend.

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