Best for Maximizing Spending-Based Points: The American Express Business Gold Card

The American Express Business Gold Card earns 4X Membership Rewards points on the 2 select categories where your business spent the most each billing cycle (on the first $150,000 combined each calendar year), 1x after that, and it comes with an annual fee. It is an optimized card for business owners who actively want to earn rewards based on spending. This is most effective for those who spend heavily in different categories per billing cycle, as it automatically chooses the top-2 highest spending categories. For that, this card is ideal for Small Businesses that are consistently growing and spending in different categories. Cons to this card is it requires monitoring your category performance to optimize and be conscious of where you are spending to maximize rewards.