The American Express Business Gold Rewards Card gives you the best of two worlds.

First, it has some of the most valuable rewards and perks around.

Second, it gives you and your business some extra peace of mind with generous travel coverage and other perks.

Earning Amex Membership rewards

Of course one of the most attractive features of this card is that you can use it to earn super valuable and flexible American Express Membership Rewards points. And to start you off, you'll get a generous welcome bonus of 40,000 points after spending $7,500 in the first 3 months.

After that, the earn rate is simple: 1 Membership Rewards point for every $1 spent in qualified purchases. Simple and fantastic.

However, for every quarter you spend $20,000, you'll earn 10,000 bonus points, for a max of 40,000 bonus points per year.

What you can do with your points

The American Express Membership Rewards Program offers great value when redeeming for travel, and alternate redemption options give you tons of flexibility.

The value of your points depends on what you’re redeeming them for, of course, ranging anywhere from 2 cents to 0.68 cents per point (CPP). Currently you get top value when you transfer your points to airline partners for travel, but that’s only one option.

Here’s a quick rundown of all your options and their average value:

• Flexible Points Travel Program (1 CPP)
• Transfer to airline partners (2 CPP)
• Flights using fixed points program (1.75 CPP)
• Transfer to hotel partners (1.16 CPP)
• Redeem through Ticketmaster (1 CPP)
• Donations to charity (1 CPP)
• Gift cards (0.82 CPP)
• Statement credits (1 CPP)
• Shopping on Amazon.ca (0.7 CPP)
• Merchandise (0.68 CPP)

These options give you a huge amount of choice in what you can do with your points.

Business features

This card will also save you time and headaches with a suite of business management features built right into this card. These include:

• expense management reports, simplifying record keeping and tax preparation,
• dynamic purchasing power, so your spending limit adjusts based on spending and payment history, and
• other business-focused reports and features.

Also included? Employee card misuse protection, a purchase protection plan, and a buyer’s assurance protection plan, giving you further peace of mind.

Travel insurance and benefits

If your business involves a lot of travel, this card offers a fantastic array of travel coverages and other benefits. You’ll be covered for:

You’ll also get some extra perks through the Hertz Car Rental benefit.

Extra Amex perks

Of course, American Express cards usually have some extra perks worth talking about, and this one is no different.

With your American Express Business Gold Rewards Card, you also get some pretty choice entertainment access through the Front of the Line program.

And this card comes with the always reliable 24/7 customer service, emergency card replacement, and fraud protection.

Drawbacks

The only real drawback to the card may be the $199 annual fee, but if you use the card for your business and business travel, the extra features and protections will likely more than make up for it.

Bottom line

The American Express Membership Rewards Program is really hard to beat for both value and flexibility. Combine that with this card's top-of-the-line travel benefits and other features, and it's definitely one you’ll want to consider for all of your business needs.