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.
The American Express® Gold Card is not a traditional credit card. Unlike traditional credit cards, the Amex Gold card allows you to pay off some purchases over time, but not all. The Amex Gold card is issued by American Express, works wherever American Express is accepted, and reports to the credit bureaus monthly.
Key Facts About the Amex Gold Card
Issuer: American Express
Network:American Express
Credit requirement:Good credit
Annual fee:$250
APR:19.74% - 26.74% (V)
Foreign transaction fee:0%
Rewards:4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), 3 points per $1 on flights booked directly with airlines or on amextravel.com, and 1 point per $1 on all other purchases
Yes, the Amex Gold card has a grace period for Pay Over Time purchases. The Amex Gold grace period is at least 25 days, lasting from the end of each billing cycle until the payment due date.
Purchases that qualify for Pay Over Time will accrue interest from the...
To transfer Amex Gold card points to travel partners, cardholders must first log in to their American Express account and go to the rewards redemption page, then select “Transfer Points.” People with the Amex Gold card can transfer points to travel partners such as Delta Skymiles, Emirates Skywards, and Marriott...
The American Express® Gold Card cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is charged when using the Amex Gold card for cash withdrawals at an ATM.
Bear in mind that when you make a cash advance, you will incur other costs...
To cancel an Amex Gold card, you can call customer service at 1 (800) 528-4800, 24 hours a day, 7 days a week. You can also cancel through your online account. Log in and click the “Chat” icon at the bottom of the page to connect to a customer service...
The American Express Gold Card weight is 15 grams. By comparison, the old Amex Premier Rewards card weighed only around 5 grams. That's because the Gold card's predecessor was made of plastic, whereas the rebranded Gold card is made of metal.
There is no minimum income requirement to get the Amex Gold card, but American Express will consider your entire credit picture, which means they consider factors like your credit score, length of credit history, debt and recent inquiries.
Yes, the Amex Gold card does offer extended warranty protection. The Amex Gold card extended warranty policy will lengthen the original manufacturer's warranty by up to 1 extra year for warranties of 5 years or less. The maximum coverage amount per item under the Amex Gold card extended warranty policy...
The rewards rate for Amex Gold card gas purchases is 1 point / $1 spent, the same rate as any purchase outside of the card's bonus categories. More specifically, Amex Gold card gives 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1...
Share your insights and review the American Express® Gold Card
5
29%
4
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3.8
427 reviews
427 reviews
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Vin Spinelli @megatronlives
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3 Star Rating
I am not sure if this American Express Gold Card is the right choice for me because of the outline which states, “Balance Must Be Paid in Full Every Month.” This is a “Charge Card” that has to be paid off monthly which differs from a “Credit Card” that allows credit as a loan with annual percentage rates. The American Express Membership Rewards Program is a great feature but I enjoy a little more flexibility in the monthly balance like I do with my current Capital One “Credit” card. American Express is known for great frequent flyer programs and this card appears to have a great offer. Maybe when an actual “Charge Card” will be to my advantage over a “Credit Card”, I will review American Express Gold options again.
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Jaye Gee @jaye.gee.146
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4 Star Rating
The American Express Gold card is an excellent option for those with problematic credit history who would like to rebuild their credit. While I think a $125 annual fee is a bit steep, it's quite average for all cards that compete in this area. The other downfall is having to pay off your balance in full every month. The point rewards are a great incentive though to get more bang for your buck while improving your credit score!
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Lakeisha Morrison @lakeisha_morrison
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5 Star Rating
The American Express Gold Card seems like a good card. The thing I like about the card is that you can receive reward points and use them for gift cards for dining, entertainment, and to shop at over 300 different merchants. I also like how I can get discounts and some low rates on hotels and resorts. It’s great not to have any annual fees for the first year. The only thing I dislike is that if you have a late fee from zero to the greater 35 or 2.99% of the delinquent balance would be charged to your accounts. Other than that it seems like a great card to have.
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Brianna Byrne @brianna_byrne_7
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4 Star Rating
The American Express Gold Card seems to have some perks that would make it a good choice, as long as you pay your balance every month (as is true of most credit cards). Still, I like that American Express doesn't gouge you with outrageous APR, and though their late fees would add up if you failed to pay them off each month, if you stay on top of your bills, it doesn't seem like a bad deal. The $125 yearly fee may be difficult for some cardholders, but that beats a ridiculous APR any day, in my book, and I do like the perks and points system, which you can use for dining, entertainment, etc. And if you travel a lot, there are discounts at some hotels, so this card may be an even better fit. So a good card overall, especially for those that travel and that are good with paying their bill on time.
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Laura Lemons @lauraann.nelson
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4 Star Rating
I really like the rewards and benefits American Express gold offers. I dine out and shop a lot so getting points for that would be awesome. I had the capital one prestige card and I got 0 rewards, Also the fees aren't too bad. It would be nice to not have any for a full year.
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Karen @kadycee
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5 Star Rating
American Express is ideal if you hate carrying a balance and like to put all your bills on one card. I do this so I earn points, which can then be used to pay off some of those bills. When it comes to travel, American Express is the best because you know you're protected if something goes wrong. As long as you don't overspend, this card is a great choice for purchases and travel. I find having to pay the whole balance helps me control my spending and budget better.
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derrick dawkins @ezdzd
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5 Star Rating
The American Express Gold Card is an excellent choice if you can pay the full balance every month. Utilizing the Gold Hotel Collection perk could more than pay for the annual fee that starts during the second year. The American Express Gold Card is better than most cards I've had like it. The points and discounts you earn really make this card worth having, and no other card can really compete with it.
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jono @gakempis
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5 Star Rating
One of the more prestigious cards on the market, the American Express Gold Card is the card to be seen with. With its endless discounts on restaurant and hotel purchases, the Gold is one no traveler wants to be without. It is, however, important that consumers know just exactly what they are getting into when signing up for the card. A balance due in full at the end of every month isn't for everybody, and you may want to determine in advance whether you are going to rack up enough rewards from use to offset the $125 annual fee. Overall, a very solid card for its purpose!
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Chelsea Marie @chels8215
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5 Star Rating
The American Express Gold Card is great option for a lot of people. The rewards with this card are near the top of the game, there's no annual fee for the first year but you can expect to pay One hundred and twenty five per year after that, which is pretty high in my opinion. If you are approved for this card then you for sure have pretty good credit so don't expect it if you don't. This card carries a level of prestige similar to the "Visa Black Card".
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Jane Lill @heatherp5
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3 Star Rating
The American Express Gold Card is a good option, especially for those who travel a lot. The discounts and low rates at hotels would be quite convenient for a savvy traveler. American Express has excellent customer service, which is a huge perk in the credit card industry. The annual fee of $125 is a big negative. If you are going to offset that amount substantially by the amount you earn in rewards, then by all means, choose this card. But there are other American Express cards that have no annual fee. The American Express Blue Cash card has rewards, no annual fee, and of course no interest charges when you pay off your balance in full each month.
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