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Rule change

Amex Business Gold: 4X ads and wireless narrow to select merchants

From Feb 17, 2027

· PerkSensei Desk

From Feb 17, 2027, the 4X advertising and wireless phone categories count purchases at select merchants only, instead of any U.S. media or wireless provider.

Is this deal useful?
Takes effect
Feb 17, 2027
When
Feb 17, 2027
Fee
$375 annual fee

What changed

  • Before4X on purchases at U.S. media providers for advertising in select media (online, TV, radio)
    Now4X on advertising at select merchants only, from Feb 17, 2027
  • Before4X on monthly wireless telephone service bought directly from any U.S. wireless provider
    Now4X on wireless service at select merchants only, from Feb 17, 2027

What it means for churners

CardOfferRequirements
Amex Business GoldUp to 200,000 points4X narrows on Feb 17, 2027
  • Spend $15,000 in 3 months
  • $375 annual fee
  • If your ad or phone spend goes to a provider outside Amex's list, it may earn 1X instead of 4X from Feb 17, 2027.
  • The other 4X categories and the yearly 4X cap aren't part of this change.

Fine print

  • Amex's product page says only "select merchants" and points to the card terms for the list; check the terms for the merchants that qualify.
  • Points are not cash; their value depends on how you redeem them.
Full card detailsAmex Business Gold200,000 points

Source

American Express Business Gold Cardamericanexpress.comOfficial sourceChecked Oct 22, 2026

Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.

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