Amex Business Gold Card – How To Use the $155 Walmart+ Credit [2024]

It seems like online shopping is now the norm, with many people buying their groceries, shopping for home goods, and purchasing pet food online.

According to figures from the data gathering firm Statista, more than 263 million American consumers shop online, which is roughly 80% of the U.S. population. That figure is expected to balloon to nearly 290 million by 2027.¹

It’s undisputed that global titan Amazon has a stronghold on the e-commerce market. However, the monopoly Amazon once had on the industry may not be as strong as it once was due to the expansion of online shopping platforms worldwide.

Walmart, the world’s largest retailer, has Walmart+, a shopping membership subscription like Amazon Prime. This perk is complimentary for those who have The Platinum Card^® from American Express, but a recent refresh of the American Express^® Business Gold Card gives holders of this business card Walmart+ access as well.

In this guide, we’ll show you how to sign up for the Walmart+ membership that’s included in your Amex Business Gold card’s benefits, break down membership benefits, and examine how it stacks up against merchants such as Amazon Prime.

There’s a lot to tackle, so without further adieu, let’s dive right in!

Overview of the American Express Business Gold Card

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American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

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American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 Points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

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Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Key Benefits of the Amex Business Gold Card

A complimentary Walmart+ membership is a benefit you’ll receive when holding the Amex Business Gold card. Still, the card offers a myriad of other benefits that make it a worthwhile addition to your roster, especially if you’re a business owner.

The Amex Business Gold card now offers statement credits on select purchases. You will receive up to $395 in statement credits a year. That breaks down to:

• Up to $155 back annually for a monthly Walmart+ membership
• Up to $240 back annually ($20 a month) for eligible purchases at FedEx, Grubhub, and office supply stores

The card recently underwent a massive refresh with how you earn Membership Rewards points using the card. The refresh puts it on par with Amex’s other consumer and business cards in becoming a hybrid travel and dining card, with some similar benefits as the Amex Platinum card with a price point more akin to the American Express^® Gold Card.

You’ll still earn 4x Membership Rewards points per $1 spent on your top 2 spending categories. Amex has expanded the categories to include transit (taxis, rideshares, and subways), goods purchased from electronic goods retailers, and wireless telephone service charges. These new categories join the existing 4x categories, including U.S. purchases at gas stations, U.S. purchases at restaurants (including takeout and delivery), and U.S. media providers for advertising in select media.

Additionally, you’ll now earn 3x Membership Rewards points on flights, prepaid hotels, and prepaid packages booked through AmexTravel.com.

A new benefit added to the card is cell phone protection against theft and damage, including cosmetic damage such as a cracked phone screen.

The card’s annual fee will increase to $375 beginning February 1, 2024.

What Is Walmart+?

If you shop online, you may have seen an ad for Walmart+. It’s an expedited shopping service, similar to Amazon Prime, and typically costs $12.95 per month (or $98 yearly).

Walmart+ members receive the following benefits and services:

• Free shipping on items with no minimum purchase requirement (excluding items not shipped by Walmart)
• Free grocery delivery with a $35 order minimum
• Rx for less: get select prescriptions for as little as $0 and save up to 85% on thousands more at Walmart pharmacies
• Save 10¢ per gallon on fuel at Walmart, Murphy, Exxon, and Mobil stations
• “Scan & go” contact-free checkout
• Earn up to 5% Walmart Cash with Walmart+ Travel powered by Expedia
• Free subscription to Paramount+, valued at $5.99 a month or $59.99 a year (Paramount+ Essential plan only, separate registration required)
• Video streaming with Pluto TV: Watch select ad-free streaming content that changes each month
• Early access to special promotions and events, including online Black Friday deals, product releases, and more
• Limited-time offers, such as 1 free month of ClassPass and $20 off pet care with Thumbtack

How To Get the Walmart+ Statement Credit

Activating your Walmart+ membership as an Amex Business Gold card member is relatively simple. All you need to do is follow these steps:

Step 1: Visit Amex’s dedicated landing page for Walmart+.

Step 2: Click Get Started.

Step 3: Next, sign in to your Walmart account or create one if you don’t already have an account.

Step 4: Now, you’ll enter the payment details of your Amex Business Gold card, and you should be good to go!

Now that you’re registered, you can begin using Walmart+ as much as you’d like!

Where Can I Use My Walmart+ Membership?

If you shop at Walmart regularly, these benefits will likely be pretty valuable for you. In fact, the retailer claims that Walmart+ members save more than $800 yearly, on average, thanks to the platform.

However, the value you’ll gain from the membership — free or not — will depend on how close you live to a Walmart, especially if you plan to use the grocery delivery service. If you live in an area without a Walmart, you won’t be able to benefit from the grocery delivery or the discounts on prescriptions and gas. Still, you can receive free 2-day delivery with no minimum for online shopping done through the website.

How Does Walmart+ Stack Up Against Amazon Prime?

Are you loyal to Amazon Prime? Curious about how the 2 programs stack up? Take a look at what each service offers in our comparison chart below:

Final Thoughts

Even if you’re a die-hard Amazon Prime loyalist, it’s worth signing up for a Walmart+ membership, especially if you have the Amex Business Gold card, which now includes a monthly benefit for the service. With free grocery and item delivery, discounts on fuel, and even a free Paramount+ membership, taking advantage of the perk should be a no-brainer.

We hope this guide has been beneficial in navigating the Amex Business Gold card’s new Walmart+ membership!