We're sorry, but the Premier Rewards Gold Card from American Express may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-528-4800, Ext.
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RewardsFees678Reviews5Q&AContact
RewardsQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Charge Card
This is a charge card and therefore the balance needs to be paid in full each month.
Annual Fee
None 1st yr, $195 after
Rewards
Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
$100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
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The American Express Premier Rewards Gold Card's credit limit actually varies from month to month. In other words, the card has no pre-set spending limit (NPSL). That doesn't mean Amex PRG offers unlimited spending. Rather, Amex may adjust your spending limit over time, based largely on your payment history. But they won't tell you when it changes, so you won't know exactly what your limit is most of the time.
NPSL is a common feature among charge cards such as Amex Premier Rewards Gold. You also have to pay a charge card's balance in full every month to continue making purchases. But if you do so, and otherwise manage your finances responsibly, you may enjoy regular credit limit increases.
Here's what affects American Express Premier Rewards Gold Card credit limits:
Payment history. Pay in full every month and you may get additional purchasing power. Late payments will have the opposite effect.
Spending habits. Amex will look at your spending during previous months when determining what to give you for the current month. Try to not to spend beyond your means or drastically increase the amount you spend from month to month.
Income. Your income normally won't change from month to month, but getting a raise or losing your job could affect your limit.
Your credit score & report. Amex will regularly review your credit history, and red flags such as missed payments on other credit cards or loans will likely lead to a lower limit. So, you should keep tabs on it, too.
Along those same lines, Amex may not check your actual credit score every month, but you should. It's a good general indicator of your financial performance. The same factors that lead to a higher credit score will likely lead to a higher limit. And the reverse is true, too.
Unfortunately, you can never be sure what your American Express Premier Rewards Gold Card credit limit will be, but you can at least predict whether it will go up or down based on these factors.
Ultimately, it is worth noting that this card is no longer available to new applicants, but this fact doesn't impact existing cardholders.
You get your first Premier Rewards Gold Card $100 airline credit each calendar year when you select a qualifying airline and then use your Premier Rewards Gold Card to pay for incidental fees. You can choose the airline you'd like to use from a list that includes all the major...
The best Amex Premier Rewards Gold Card benefits were the ongoing rewards and the $100 airline fee credit. In addition, it also offered a $75 hotel credit and 1 - 3 points / $1 on certain purchases.
Here are the Amex Premier Rewards Gold Card benefits:
The Amex PRG 50k offer was a limited-time promotion that isn't currently available, though it could make a comeback at some point. The current offer is 25k bonus miles for spending $2,000 during the first couple months you have the card. That's worth around $215 in gift cards or travel...
Share your insights and review the Premier Rewards Gold Card from American Express
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678 reviews
678 reviews
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Katherine Denise @deltasigmatheta15
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5 Star Rating
Verified Customer
Great Company To Do Business with I highly Recommend The Annual Membership has increased From 195 To 250 Per Year But to me it is Well Worth it.
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Franklin @frankieninja
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1 Star Rating
Verified Customer
The company in my opinion, is not what it used to be. They can limit or cancel your account without prior notification. They can do so - even if you’ve never missed a payment. Information regarding such actions, can be a challenge to obtain. If at all. This was the case with me. My “pay as you go” benefit (for which you pay a membership fee annually) was suspended and reinstated and suspended again. No reason ever given despite repeated requests. This is but one example. I have never missed a payment and always in full. 30+ years. And this is how they “appreciate my loyalty”…. Indeed
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Jo Smith @JSM22
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1 Star Rating
I've had the PRG since 2012 and have an annual spend of $50-100k depending on the year but decided to cancel my card today due to horrendous customer service.
When I first got the card, the customer service was excellent and I was always greeted by someone friendly and willing to help but in the last few years the service has really gone downhill to the point where I didn't even want to call. Besides the horrible wait times and rude representatives, every-time I call I'm greeted by someone from India who barely speaks english and is ill equipped in providing the minimum level of customer service necessitated for a charge card. To give one example, a few weeks ago Amex totally dropped the ball and had some IT issues and wiped my 3X Amazon point offer from my account after it had expired. Worse, they removed the useful offer tab that said "expired" so the only proof I had was a screenshot of the offer as this has happened to me before. Now, a loyal member with a significant point balance that calls about something like this should be greeted with an immediate apology and a reinstatement of the points but instead I was told I had to wait 3-5 business days for the "back-office" to sort the issue. I guess even when you exploit underpaid and destitute workers in Mumbai to enhance your bottom line it stills takes significant time for a simple issue but I'm a reasonable guy so I wait.. and wait... and wait. Nearly 10 business days later I call back and they say sorry we're still working on it, you need to wait at least another 15 BUSINESS DAYS. When I escalated the situation they totally lied and mentioned the hurricane even though the original time period they had given me lapsed well before the hurricanes onset.... When I asked to cancel the card the representative offered me 20,000 points but I would rather keep my dignity than dance with the devil that is American Express.
In summation, if you like speaking to exploited Indian CSR's who can't help you, being lied to, and being cheated after being a customer for six years, do business with Amex.
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Tanner Barb @jacobtannerbarb
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5 Star Rating
Verified Customer
The Amex PRG card offers so many benefits. I love getting 3x points on travel, 2x points on gas, and so much more! The benefits of carrying Amex and utilizing Amex offers are unbeatable! Free room upgrades, flight upgrades, you name it. I love the airline credit! Use my referral code and get started with some extra membership rewards points: http://refer.amex.us/JACOBBEPGh?xl=cp15
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Tommy @tommy1
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5 Star Rating
I got this card through my father's card as a secondary account cardholder. The card itself has been amazing to use. There are various perks to using it such as percentage cash back, various amounts of credit to online or in store purchases, airline and hotel perks and more. The thing I liked the most about the Amex card is when someone somehow used my card information on two online purchases, and I contacted them about it, they investigated immediately. The first charge of around $30 was reversed within the day. The second charge of over $400 was reversed after an investigation but it took a while longer. They did not contact me after the resolution about who did it, but they did contact me about how the charges were reversed. I think that I would have liked to know how and who stole my card info so I could prevent this in the future. Regardless, I would recommend the card wholeheartedly. The customer service was great and they stand behind their cardholders when something goes wrong.
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Joey @j_2
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4 Star Rating
This has been my go-to card for the vast majority of my purchases. This card makes you feel a certain level of prestige, owning a 'mid' tier American Express charge card. There's an annual fee, but it's not too bad for what you get as a result of membership. This card gives you access to AMEX Membership Rewards, points that can be cashed in for flights, hotels, gift cards, Amazon purchases, among countless other things. You also gain access to additional protection from AMEX, such as an extended return policy, purchase protection, extended warranty, among other perks. Overall, I love the card, I just wish the fee was a little lower than $195. Fantastic perks and rewards, fee could be lower.
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rajivp @habibalex
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4 Star Rating
This card is pretty good. They gave me points when I first signed up which you can use on their reward site. It roughly transfers as 100 pts / $1. There is an annual fee, but I have made it back in rewards. There are other benefits as well like automatic rental car insurance, which are very useful.
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Mike You @mike.finneh
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5 Star Rating
I absolutely love this card I do not leave home without it. This is my go to card for getting, I travel alot so spending on this card really gives me alot of points toward traveling and getting free things via that way. I love how low this apr is as well for my credit. This is by far one of my top 3 cards in my wallet that I use on a day to day basis.
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Cobra Mustang @cobram
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4 Star Rating
I started using this card about 2 months ago and I currently have started loving it. The rewards for this card are just great. Even when you sign up you get 25,000 bonus points which give you a sort of head start towards earning rewards. I use this card for everyday use and absolutely love it.
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Richard Shurling @richard.shurling
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5 Star Rating
I love my American Express Premier Rewards Gold Card. It provides excellent perks and of course American Express's great customer service. I especially love the American Express extended warranty, it really helped when our washing machine died just out of manufacturer's warranty. In addition to the extended warranty, you get the excellent american express fraud protection. While I have not had to use it myself, I have had friends who received very prompt warnings from american express when their cards were stolen. This can save you a great deal of hassle. You also get American Express points on travel and groceries! I cannot recommend it enough!
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Review Premier Rewards Gold Card from American Express
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