American Express® Gold Business Card

Business Funding with
Big Rewards

The Business Card with premium business services and rewards

BENEFITS FOR BUSINESS

Increase Purchasing Power with Greater Control

PURCHASING POWER

  • NO PRE-SET SPENDING LIMIT

    The American Express® Gold Business Card has no pre-set spending limit1, giving you purchasing power that adjusts with your use of the Card. No pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us and your current financial resources. You can spend as spend as much as you can afford to pay back, which gives your business greater financial flexibility to cater for different business needs.

  • UP TO 51 CREDIT-FREE DAYS

    Increase your liquidity, whilst ensuring that your vendors are paid on time. Pay suppliers through American Express and receive up to 51 credit-free days2 without any added credit interest to pay your statement, allowing funds to earn interest or be used elsewhere to grow your business.

CONTROL

  • SUPPLEMENTARY CARDS FOR YOUR STAFF

    Provide your employees with Supplementary Cards3 and consolidate more of your company’s expenses into a single payment method. You will also earn Membership Rewards points on any Supplementary Card Members spend.

  • ONLINE ACCOUNT MANAGEMENT

    Manage Your Card Account is a complimentary online management tool that provides Card Members with 24/7 access to their American Express Business Card account. Card Members can view statements, make payments, redeem Membership Rewards points, set up email or mobile alerts, anytime, anywhere.

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  • QUARTERLY MANAGEMENT REPORT

    Save time and get greater control over your business expenses with Quarterly Management Report. This report details your account's transactions for the past quarter in different categories (such as travel, entertainment, dining) to help you better manage expenses.

INSURANCE & SECURITY

  • BUSINESS INSURANCE

    As a Gold Business Card Member, you and your Supplementary Card Members are covered by a business insurance plan4. Enjoy the following valuable benefits courtesy of us:

    • Up to HK$1,000,000 for Basic Card Member, and up to HK$500,000 for Supplementary Card Member, on Accidental Permanent Disability
    • Up to HK$20,000 on Replacement Expenses for Basic & Supplementary Card Members, with a minimum of HK$5,000 Replacement Benefit Lump Sum
    • Up to HK$300,000 on Business Overhead Expenses for Basic Card Member
    • Up to HK$40,000 on Business Closing Expense for Basic Card Member
  • SAFEKEY®

    Your account is already protected by American Express against theft and fraud every time you shop online. American Express SafeKey5 has been introduced to further enhance online transaction security. It is an added security measure to safeguard your online purchases for your peace of mind.

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  • FRAUD PROTECTION

    Feel secure knowing we make fraud prevention our business.

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BENEFITS FOR YOU

Premium Rewards and Services

REWARDS AND SAVINGS

  • EARN MEMBERSHIP REWARDS® ON BUSINESS SPEND6

    With the complimentary Membership Rewards Basic Program, you can earn 1 point for every HK$1 eligible spent. To earn point faster, simply enroll in the Membership Rewards Turbo Program to earn 2 points for every HK$1 eligible spent. Also earn extra 5 points with every HK$1 spent at selected merchants throughout the year. With the Turbo Program, you can even redeem flights and hotel stays on top of cash vouchers and other exciting gifts.

  • AMERICAN EXPRESS SELECTS®

    The American Express Selects Program7 provides access to year-round attractive savings and offers. Card Members can save up to 20% on dining in Hong Kong, Sydney, New York, London and other destination cities. Plus, enjoy a wide range of discounts and special offers for travel, entertainment and shopping when travelling abroad.

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LIFESTYLE PRIVILEGES

  • WORLD TRADE CENTER CLUB HONG KONG

    As an American Express Gold Business Card Member, you enjoy the privilege to access the World Trade Centre Club Hong Kong. The Club commands stunning harbor views, making it a lavish host for both business events and family gatherings. The Club is also renowned for its wide selection of excellent Chinese delicacies and European cuisines, outstanding conference facilities and impeccable service. Should you wish to host a business function and seminar, The Club’s outstanding conference facilities and impeccable service are sure to rise to the event.

  • AIRPORT VIP LOUNGE8

    At over 70 locations in more than 25 international airports worldwide, Gold Business Cardmember,can enjoy a complimentary visit to Plaza Premium Lounge where they offer a wide range of facilities, from comfortable seating, a delicious buffet spread with non-alcoholic drinks, hot shower suites, evening tapas, to local / international newspapers and magazines.

  • MOVIE PRIVILEGE9

    Enjoy year-round 10% savings on movie tickets, including 3D movies, at Broadway, PALACE and AMC Cinemas.

SERVICE AND PROTECTION

  • TRAVEL INSURANCE10

    When you charge your travel tickets to your Card, a suite of travel insurance benefits is automatically activated to provide coverage for your business trip.

    • Business Travel Accident Insurance up to HK$2,000,000 provides accidental death or dismemberment coverage while travelling on trips booked using the Card
    • Up to HK$4,000 for accommodation and essential clothing due to a delayed or cancelled flight and missed connection
    • Up to HK$8,000 luggage delay
    • Up to HK$10,000 for lost luggage
  • ROADSIDE ASSISTANCE

    Our Roadside Assistance delivers help 24 hours a day. In the event of your car breakdown, we arrive within an hour and in most cases, we get you back on the road. In case where your car needs to be towed, we will arrange for the towing and cover the first HK$750 of towing to your preferred garage. To get help from Roadside Assistance, please call 2277 1188. Maximum 2 claims per year.

  • 24/7 CUSTOMER SERVICE

    Professional and dedicated customer support is always just a phone call away to assist with billing enquires, replacement Card requests or access to a Card benefit or service.

  • GLOBAL EMERGENCY SUPPORT11

    For legal and medical emergencies while travelling, Card Members can call the free Global Assist6 service, which will connect them with an English or Chinese-speaking lawyer or doctor. The service is available 24 hours a day virtually anywhere in the world, whenever Card Members travel more than 200km from home, for up to 90 days.

  • EXPRESS CASH12

    With Express Cash, you can withdraw cash at AEON ATMs in designated Circle K Stores, MTR stations, shopping malls and AEON branches in Hong Kong. Furthermore, there are over 500,000 locations worldwide where you can have convenient access to cash anytime.

American Express® Gold Business Card Benefit Terms

1. Subject to American Express’s risk management policies.

2. 51 credit-free days: Actual credit-free period will vary based on the date of charge and the billing cycle cut-off date.

3. Supplementary Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. Supplementary Card Members must be over 18 years of age. The Business, the Basic Card Member and each Supplementary Card Member are jointly and severally liable for all Supplementary Card spending. Membership RewardsTM enrolment required. Subject to Terms and Conditions of the Membership Rewards program.

4. Business Insurance: The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. does not act as an agent or fiduciary for you, and American Express International, Inc. may act on behalf of the insurance provider, as permitted by law. Exclusions and limitations apply.

5. SafeKey®:Subject to the Terms & Conditions here.

6. Membership Rewards: An annual program fee of HK$240 will apply upon enrollment of the Turbo Program. Earn 2 Membership Rewards points for every HK$1 eligible spent is applicable to the first HK$160,000 spent for each program year. From HK$160,001 and onwards, each HK$1 eligible spent will entitle to 1 point only. Turbo Program enrollees are required to pay an administration fee of HK$200 for each air mile conversion. No fee is charged for point transfers to participating Frequent Guest Programs. Subject to the Terms and Conditions of American Express Membership Rewards Program here.

7. American Express Selects:Subject to Terms & Conditions here.

8. Airport VIP Lounge: Twice per year. Terms and Conditions apply.

9. Movie Privilege: Terms and conditions apply.

10. Business Travel Insurance: The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. does not act as an agent or fiduciary for you, and American Express International, Inc. may act on behalf of the insurance provider, as permitted

11. Global Assist Hotline: You must arrange all medical and visitor transportation. As the Global Assist Hotline is an assistance service, we cannot reimburse you for expenses you incur on your own. Please refer to the Global Assist Summary of Coverage for additional details and restrictions.

12. Express Cash: Click here to learn more.

13. Annual Fee: HK$980 per year, includes 1 Basic Card Member and 3 Supplementary Card Members.