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American Express Gold Card

Requires sign in
Rewards Rate
4x points on purchases at U.S. restaurants and U.S. supermarkets, 3x points on flights booked directly with airlines on amextravel.com, 1x points on all other purchases
Sign Up Bonus
60,000 bonus points upon spending $4,000 in the first 6 months
Typical Credit Score
Excellent, Good
Pros & Cons
  • Rose Gold is back. You can now choose between Gold or Rose Gold.

  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.

  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

  • $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms Apply.

  • $250 annual fee
American Express Gold Card Review

Who is the American Express Gold Card for?

The American Express Gold Card is for someone that truly wants to go above and beyond in their spending adventures. With a holistic rewards program and competitive perks, this card was designed for a customer that uses their card more frequently than the average spender. This card is ideal for a seasoned cardholder seeking to reap the benefits of his or her spending on dining, shopping, and travel. 

The $250 annual fee might seem high at first glance, but upon exploring the benefits of this card, it is clear that the fee pays for itself over the course of the year. If you are a new American Express Gold Card user and spend enough, you may also qualify for an attractive welcome bonus. Also, the credit card issuer’s rewards extend beyond individual cards. You can use the points you attain using this card to shop the Internet, buy plane tickets and book hotels. 

Although the benefits of this card might seem too good to be true, they come with a potential cost. No set spending limit with this card can create a risk of late and returned payments, which sets you up for a hefty APR. Knowing this, the Gold card should be used to make frequent purchases while ensuring timely payments in order to maximize the benefits that come along with it. 

Overall, the Gold card can be seen as a precursor to the Platinum card, which comes with a hefty $550 annual fee. If you are testing the waters and the Platinum card seems like too much, the Gold card might be a great option for you. 

Welcome Offer

Unlike other cards with annual fees, the American Express Gold Card does not have a guaranteed signup bonus. However, if you are a new American Express Gold Card customer and spend $4,000 on eligible purchases within the first six months of owning the card, you can receive 60,000 points membership rewards points. Considering the fact that you would have to spend $60,000 to earn the same amount of points, this is a steal. 

Rewards

The main rewards mechanisms of this card operate through three industries: restaurants, supermarkets and travel. 

When you dine at restaurants worldwide, you gain 4x Membership rewards points. As for US supermarkets, you earn 4x Membership Rewards points for up to $25,000 of purchases. Finally, you can use your card to book flights via the American Express website or directly via the airlines and earn 3x points. These Membership Reward points can be redeemed through online purchases or the American Express travel website, which allows you to book flights and hotels with accumulated points. You can also use the points in conjunction with a participating frequent flyer program in order to get discounts and offers on flight bookings.

In addition, as a cardholder, you are given $120 in dining credit, $100 in airline fee credit and $100 in hotel collection credit. The dining credit is added to your statement monthly and can be used at partnering establishments. The airline fee credit can be used to offset supplemental travel costs like in-flight meals and baggage fees. Finally, the hotel collection credit can be used for dining, resort and spa activities. Given these credits, it makes sense that if you spend significantly on dining and traveling, the $250 annual fee should pay for itself. 

In addition, there is no foreign transaction fee levied on international purchases. This perk, coupled with the other benefits, is extremely handy for frequent travelers that want a travel-friendly card. The card issuer also has the lowest hotel rate guarantee, which means that it will refund you the difference if you can find cheaper accommodation prices online. And it doesn't end there. With the Gold card, you are also eligible for personalized travel services, discounts and amenities. American Express also provides baggage insurance and rental car loss and damage insurance. 

As for shopping perks, this card gives you access to Amex Offers, which can be accessed through the handy American Express mobile app. Amex Offers helps you earn rewards at places you shop at the most. The Gold card also gives you complimentary access to ShopRunner, which gets you free 2-day shipping on eligible purchases at over 100 online stores. With no preset spending limit, we recommend making this card your main credit card and maximizing purchases while keeping in mind your ability to make timely payments. 

As with other Amex cards, the Gold card also gives you access to exclusive ticket presales for sporting and entertainment events. It also gives you premium seating options for select events. 

With an option to add additional cards for individuals aged 13+, you can maximize rewards by giving every family one of these to use. 

Annual Fee

This card comes with a hefty $250 annual fee. However, using the extensive list of benefits and perks, optimal utilization of this card will render this fee insignificant. However, this payment can pose a significant barrier for lower-income customers and newcomers to the credit world. Also, if you don't expect to use this card as much, the $250 annual fee might not be worth it. 

Services and Protections

A common problem with a lot of other rewards-based credit cards is the complicated interface between your card usage and redeeming available offers. American Express simplifies that by making everything available on your phone through the American Express App. The app allows you to manage your account, view offers at nearby establishments and receive fraudulent transaction alerts.

In terms of customer service, American Express has a dedicated Card Member Services team that can assist you with queries 24/7. Furthermore, the Global Assist hotline gives you 24/7 access to emergency assistance regardless of your location around the world. This service can be extremely useful in the case of lost card inquiries and emergency cash wire needs. 

Cautions

As an American Express Gold cardholder, you are probably already quite responsible for your credit card payments and have built good credit over the years. That said, the penalty APR of 29.24% can make serious dents to your bank account. In addition, the lack of a strict spending limit can make overspending possible. Therefore, your first and foremost priority should be to maintain your credit score by only spending what you can pay once the payment date arrives. 

Your second focus should be making this card your primary method of payment. Like most credit cards, you get out of it what you put into it. Making regular purchases and using the benefits will allow you to maximize your membership rewards points earnings. A lack of use will make sure that the annual fee gets wasted inefficiently and you might regret picking this card. 

Conclusion

The American Express Gold Card is a great choice for more sophisticated credit card users who want a card that does it all. While the annual fee might be off-putting for some, if used properly, this card can make up for it and give you access to a multitude of benefits. Once customers are satisfied with this card, they can consider upgrading to the Platinum card, which increases potential benefits and rewards along with its annual fee.

Complete Card Details
Rewards Rate
4x points on purchases at U.S. restaurants and U.S. supermarkets, 3x points on flights booked directly with airlines on amextravel.com, 1x points on all other purchases
Welcome Bonus
60,000 bonus points upon spending $4,000 in the first 6 months
Typical Credit Score
Excellent, Good
Intro Annual Fee
N/A
Annual Fee
$250
Additional User Annual Fee
N/A
Foreign Transaction Fee
N/A
Intro Purchase APR
N/A
Regular Purchase APR
15.99% - 22.99%
Cash Advance Fee
5%
Cash Advance APR
25.24%
Late Fee
Up to $40
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Penalty APR
Up to 29.24%
Balance Transfer Fee
N/A
Return Payment Fee
Up to $40
Minimum Deposit
N/A
Credit Card Network
American Express
Credit Card Issuer
American Express
American Express Gold Card FAQ

What is the minimum credit score required to apply for American Express Gold Card?

A credit score of 750 is required to be eligible for American Express Gold Card.

What is the minimum deposit required for American Express Gold Card?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for American Express Gold Card

The Intro Annual Fee for American Express Gold Card is not available at the moment. Please check the terms for more details.

What is the Annual Fee for American Express Gold Card

The Annual Fee for American Express Gold Card is $250.

What is the Intro Purchase APR for American Express Gold Card

The Intro Purchase APR for American Express Gold Card is not available at the moment. Please check the terms for more details.

What is the Regular Purchase APR for American Express Gold Card

The Regular Purchase APR for American Express Gold Card is 15.99% - 22.99%.

What is the Intro Balance Transfer APR for American Express Gold Card

The Intro Balance Transfer APR for American Express Gold Card is not available at the moment. Please check the terms for more details.

What is the Regular Balance Transfer APR for American Express Gold Card

The Regular Balance Transfer APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Cash Advance APR for American Express Gold Card

The Cash Advance APR for this credit card is 25.24%.

What is the Cash Advance Fee for American Express Gold Card

The Cash Advance Fee for American Express Gold Card is 5%.

What is the Late Fee for American Express Gold Card

The Late Fee for American Express Gold Card is up to $40.

What is the Penalty APR for American Express Gold Card

The Penalty APR for this credit card is up to 29.24%.

What is the Balance Transfer Fee for American Express Gold Card

The Balance Transfer Fee for American Express Gold Card is not available at the moment. Please check the terms for more details.

What is the Min. Balance Transfer Fee for American Express Gold Card

The Min. Balance Transfer Fee for American Express Gold Card is not available at the moment. Please check the terms for more details.

What is the Foreign Transaction Fee for American Express Gold Card

The Foreign Transaction Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Return Payment Fee for American Express Gold Card

The Return Payment Fee for American Express Gold Card is up to $40.
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