after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$250
Rewards
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: 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: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
60K points (worth roughly $460) for spending $4K in the first 6 months
4 points per $1 spent at restaurants
4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
3 points per $1 spent on eligible flights
No foreign transaction fee
$250 annual fee
Points worth less than 1 cent, on average
Limited ability to carry a balance from month to month
Amex Gold card Review
John Kiernan
3.8 / 5
The American Express® Gold Card is a good card that is worthwhile for people with good credit or better who are heavy spenders. Amex Gold provides rewards rates that are above the market average in addition to a welcome offer of 60,000 points for spending $4,000 in the first 6... show more
Choose the color that suits your style. Gold or Rose Gold.
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No Foreign Transaction Fees.
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Annual Fee is $250.
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This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
Can't find what you are looking for? Submit your question about American Express® Gold Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
To get access to American Express Gold Card events, go to the American Express Experiences website or the Amex Ticketmaster portal and choose the event you'd like to buy tickets for. Virtual experiences, concerts, art gallery openings, theatrical plays, sports events, event presales, special preferred seating for events and more are available to Amex Gold cardholders.
You will need your American Express Gold Card and a Ticketmaster account to purchase Amex Ticketmaster event tickets. When buying tickets through the Amex Ticketmaster portal, you can choose to pay with your Amex Gold Card or with Amex rewards points (in increments of 2,000). When you are ready to book a ticket, find “Ticket Type” and choose “American Express Cardholder Presale” or “American Express Preferred Seating” to see which seats you can pick from.
American Express Experiences don't require a Ticketmaster account. Some events listed on the American Express Experiences page require you to use your Amex credit card to reserve seats, while other events will let you use any credit card, and some events are free to the public. To see the events available through American Express Experiences, click “All Experiences” on the Experiences website. If you find an event you want to reserve a seat for, click “Learn More” and follow the prompts to continue the booking process.
Yes, the Amex Gold card does have pre-approval. American Express has an online pre-approval page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one. Current American Express customers may also receive pre-approved offers periodically by e-mail or...
The Amex Gold authorized user fee is $0 for the first 5 people added to the account. For every authorized user after the first 5, Amex Gold's fee is $35 per person, per year. Amex Gold authorized user fees are in addition to the card's regular $250 annual fee, which...
The Amex Gold card approval odds are best for pre-qualified applicants with good credit and proof of a steady income. When reviewing an application, Amex will also consider factors such as outstanding debt, number of recent credit inquiries, and monthly housing payment amounts, among others.
You can get the Amex Gold card Shake Shack credit by signing up for the card's dining credit benefit and then make a purchase at an eligible Shake Shack restaurant. The dining credit allots Amex Gold card cardholders a total of $120 per year – up to $10 per month...
The American Express® Gold Card minimum payment is the statement balance, plus any plan payment or cash advance payment due. In addition, if you miss a payment, Amex will add the past-due amount to the minimum payment, including any interest and late fees.
No, the American Express® Gold Card does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as...
The rewards rate on Amex Gold supermarket purchases is 4 points per $1 for the first $25,000 spent per calendar year at U.S. supermarkets such as Meijer, Whole Foods and Shoprite. For U.S. supermarket purchases over the $25,000 cap, and any international supermarket purchases, the rate is 1 point per...
The Amex Gold card does not offer cell phone insurance. Cell phone insurance on other cards reimburses the cost of repairing or replacing a damaged or stolen phone if a cardholder regularly pays the phone bill with the card, though it's not a benefit commonly offered by credit card issuers.
Share your insights and review the American Express® Gold Card
5
29%
4
46%
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15%
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6%
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5%
3.8
427 reviews
427 reviews
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Alia Bierwag @aliaghoul
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3 Star Rating
Although the American Express Gold Card has a lower annual fee than the American Express Platinum Card, it still doesn't seem worth it or appealing to me. I dislike point based rewards, however, if it was a card that I used frequently, and the reward options (like merchandise and gift cards) were something that I was interested in, it might be a worthwhile card. The $75 credit on hotel expenses and using your points for airline travel would make this a great card for people that travel frequently. However, I am not one of those people, so this card doesn't seem that useful to me.
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Lisa Duncan @lisarduncan
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3 Star Rating
$125 is a hefty fee for an annual card fee, even if you do receive the 1st year without the fee. I actually had this card but ended up canceling it. For someone who will use this for frequent flier miles and hotel visits then it is a great card and you can earn back your entire $125 with different deals and offers. One of the things I really did like about American Express was that you can't charge more than you can pay. The card has to be paid in full every month, so it you have your finances in order and don't have to worry about min payments it's good for you.
There are a lot of benefits for the card, but I like my Chase Freedom much more. I get cash back on all my purchases and that adds up to free money for me. I can redeem for gift cards, transfer to my bank account, or get a statement credit. Plus my card is a Visa so I never have problems with it being accepted where American Express isn't. Depending on the time of the year, I can get 5% cash back with my Chase Freedom card compared to 1% at other times. The categories always change, but they are usually ones that I use often; movies, gasoline, eating out, etc.
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Lisa Smith-Crissey @lisa.smithcrissey
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5 Star Rating
As the annual fee for the American Express card is fairly high -- $125 after the first year --getting the card is a commitment to their rewards programs. If you're consistent about using the card and getting the hotel credit ($75) as well as other rewards such as the complimentary room upgrades, you can easily make that $125 back and enjoy all the benefits of using American Express. My USAir mastercard has a significantly lower annual fee, however it does have blackout dates -- this card does not.
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Yolanda @yvette4887
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3 Star Rating
With the American Express Gold Card I like that you earn points ever time it is being used. The points do not expire and you have up to 500 different brands to use them for. You can also use them for frequent flyer miles. You can receive up to $75 in hotel credit, which can really help. What I do not like about this card is the $125 annual fee that has to be paid after the first year. That is not something I would want to pay.
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Ken Walsh @ken.walsh.982
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3 Star Rating
The American Express Gold Card is decent, but does not really offer significant benefits that warrant spending the extra money as compared to the American Express Green Card. I prefer the American Express Gold Premium Rewards Card because it offers extra points on a wider range of purchases. Overall, the Gold Card does have good customer service features that make it a good card, but I believe that there are better cards out there.
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Bryant @Theontopofus
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3 Star Rating
This card doesn't seem as if it would be the best fit for people like me. While the first year is free, every year after carries a $125 annual fee. I have a similar card from Amazon and Chase. It doesn't carry that fee, and it also allows more points per dollar spent. While this card gives a max of 2, the Chase Amazon card allows 3 points per purchase. While this may be a good card for some, in my opinion, it doesn't work well for me.
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Hannah Sandeen @hannah.sandeen
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3 Star Rating
As a frequent flyer the American Express Gold Card seems like it could be very helpful, especially if used on a regular basis. The hotel credit could also be very useful. The only two problems I would see with card would be that it takes 5,000 points to start redeeming for travel. I could see it taking a while to earn that many points. The other problem is the 125$ fee after the first year. That is a fairly large fee. The citi credit card I have does not have an annual fee and there I get to redeem points much faster than 5000 points.
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Corey Baumgartner @WRITEKNIGHT
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4 Star Rating
I am a frequent flyer and shopper so the American Express Gold Card looks to be very useful as I don't like to travel with a lot of currency. I wish there wasn't a foreign transaction fee, or an annual fee, but the annual fee is a lot lower than some of my other cards I use so that's a plus! This is the traveler's token of efficiency and excitement! Sign me up!
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John Hoe @john.hoe.7547
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3 Star Rating
The American Express Gold Card seems like a good card, has a good reward program for its loyal customers but I would warn new credit card holders that it has an annual fee after the first year.
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grace mack @gracej
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4 Star Rating
When I started college I needed a card to build my credit as well as keep me responsible. This card is great for that! The fact that you have to pay your full balance every month really helps to keep me responsible and lessens the risk that I will make purchases that I will later regret. Not having a monthly fee is really nice too. After the first year the fee is still minimal.
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