Is the American Express Business Gold Card worth it in 2026?
£195/year (free the first year)
The American Express Business Gold Card earns 1 Membership Rewards point per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £195 a year? Here's what's on the table — and a free tool to work out your number.
$100 hotel credit (The Hotel Collection). A room upgrade plus a US$100 property credit on stays of 2+ nights at 1,000+ hotels booked through Amex Travel. Counted at £75 per stay you log (fixed $1 = £0.75).
Up to £200 Amex Travel Credit. A £100 statement credit for prepaid American Express Travel bookings each time you spend £40,000 in a card year — up to £200 in total at £80,000 spend. Counted at £0 by default because the trigger is very high; count it only if you'll clear £40k+ and book travel through Amex.
£100/yr Dell Technologies credit. Up to £100 a year in statement credits on UK purchases made directly with Dell Technologies, once enrolled. Counted at £0 by default — assign it only if your business buys tech from Dell.
£200/yr Indeed hiring credit. Up to £50 back each quarter (up to £200 a year) when you pay for a Sponsored Job on Indeed, once enrolled. Counted at £0 by default — only if you actually advertise roles.
£240/yr Alamo & Enterprise credit. £20 back once a month when you spend £60+ in a single eligible transaction at Alamo or Enterprise (up to £240 a year), once enrolled. Counted at £0 by default — only if you rent regularly.
Does it pay for itself?
You need more than £195 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.