dw

Looks like the Business Gold has been refreshed with expanded bonus point categories for the 4x points on top two monthly spend categories; 3x points on Amex travel flights and hotels; Walmart+ credits and $20/month credits at FedEx, Grubhub or office supply stores.

However, the AF is going from $295 to $375 for applications received as of 2/1. Assuming the new benefits and AF will be coming to existing cardholders at some point.

Won’t necessarily opine on my take as I don’t have this card… but will put it out there that yet again Amex is raising an AF in exchange for a coupon book of credits.

shdflyer

GONE are 4X monthly categories SHIPPING and AIRFARE BOUGHT DIRECTLY FROM AIRLINES (if either is in your two highest monthly spend of all categories offered) and 25% rebate when buying tickets through amex using points (giving effective 1.33% cpp)
NOT good.
I signed up a few weeks ago, I'm gonna hit my 90K SUB and then cancel and demand a prorated refund

mia

Have you received a notice from American Express that any changes will apply to your account in the first twelve months?

Dr Jabadski

Might still be worthwhile only for the SUB. With typical $10K/90K MR SUB resulting in ~100K MR it’s ~335 points/$ at $295 and ~265 points/$ at $375. Even with a typical juice* for tax payments (which many people do to meet SUB minimums) of ~2%/$200 on the entire minimum spend it’s ~200 points/$ at $295 and ~175 points/$ at $375. Don’t know of any place else where points can be purchased at that level.

And many have decided that a biz plat typical SUB of $15K/150K MR (~240 to 165 points/$) is worthwhile for a sock drawer card**.

With all due respect, might be cutting off your nose to spite your face***. We don’t (yet ) have a full understanding of AmEx pop-up jail, cancelling a card within the first few months might be one of the things that lands one on the “Go To Jail” space****.

(* Juice: vigorish, vig; the fee charged by a bookmaker for accepting a gambler's wager, the cut a sportsbook keeps for taking your bet.)
(** Sock Drawer Card, or sock drawered: card placed in the sock drawer of a dresser after receiving SUB, never or rarely used again and cancelled, often prior to paying 2nd annual fee if applicable.)
(*** "Cutting off one's nose to spite one's face" is an expression used to describe a needlessly self-destructive overreaction to a problem.)
(****“Go To Jail” space: Monopoly board game circa early 1900’s)

SpaethCo

The doc is dispensing solid advice here in his usual pleasant manner. At a minimum if you cancel the card before your first year is up it's almost certain to trigger a clawback of the sign-up bonus MR points. It was in the offer terms when you applied:

lax01

Just got the email from AMEX:
New benefits listed here: https://global.americanexpress.com/c...Bgold-Benefits

SanDiego1K

This strikes me as odd. As a business owner, 4x on shipping is a big reason this card appeals. Now, it seems as though the benefits are meant to appeal to consumers not business owners.

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 categories:

• Purchases at US media providers for advertising in select media (online, TV, radio)
• U.S. purchases made from electronic goods retailers and software & cloud system providers
• U.S. purchases at restaurants, including takeout and delivery
• U.S. purchases at gas stations
• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Many of those are already covered by other cards. We do get 3x shipping on one of our Chase business cards so that's where we'll put our shipping charges.

ymx

How does the cell phone insurance for the Gold Buisiness compare to the Platinum Business?

richardparker

I was going to kill all of my biz gold cards, but I'm going to wait and see if they revise this as the 4x shipping is the main reason I have this card The website shows all the new benefits, as well as the 4x shipping benefit so I will keep an eye on this. Anyone have any other cards that they recommend for shipping charge bonuses besides Chase Biz cards?

nemenor

Grubhub, my go to place for office supplies 😅.

Why don’t they just keep the coupon book for themselves and sell me the SUB points for $375. No need to print a card for the drawer. Saves money and better for the environment.

phant0m

Cell phone kinda sucks since almost every provider charges extra if you pay by credit card now.

355F1

duplicate

355F1

I have never heard of this.

Just looked at my Verizon Wireless bill:

$74.03 with no fees for using a CC in the breakdown.

$74.03 charged on autopay to my AMEX Biz PLT.

I think they charge for one-time payments but with auto-pay on a CC I am not seeing any extra charge and never have.

lax01

That isn't what they are asking...

Biz Platinum says:
Biz Gold says:
So its basically the same? Because its so hard to get the Wireless credit with AT&T (and yes, it is getting more expensive on the AT&T side to use a credit card but I'm not giving AT&T my bank account) on the Biz Platinum, I think I will cancel the Biz Platinum and use the Biz Gold

dw

It's AT&T and T-Mobile for now- the autopay discounts don't work if your autopay is set to a credit card. I have no doubt this may eventually come to Verizon.