Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Garrett Yarbrough, BankrateThe Amex Gold card is an incredible option for earning travel rewards at restaurants and U.S. supermarket purchases. But the annual fee and lower rewards value for non-travel options likely make this a poor fit for occasional travelers or households just looking for cash back on everyday spending.
- Claire Tsosie, NerdWalletFor dining enthusiasts who can maximize the annual credits on this card, it's well worth the annual fee.
- Emily Thompson, Ryan Wilcox, The Points GuyThe Amex Gold isn't just a pretty card. The earning rates at restaurants and U.S. supermarkets make it a strong pick for pretty much all food purchases. If you can take full advantage of them, the up to $120 in annual statement credits on dining and up to $120 annually in Uber cash add even more val...
- Jennifer Doss, CardRatings.comWorth it for those who frequently travel, eat out at restaurants, and can utilize the card's added perks. While the annual fee is a little on the hefty side at $250, this can be easily offset by taking full advantage of the numerous benefits offered by the card.
- Ariana Arghandewal, SlickDealsThe American Express Gold Card is undoubtedly worth it if you use the welcome offer, category bonuses and recurring benefits. The annual Uber and dining credits alone can justify the $250 annual fee. Meanwhile, perks like access to The Hotel Collection and Amex Offers can offer an incentive to keep...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
21.24% ‐ 29.24% (Variable) (0% for the first 6 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
Not available |
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $250.00 |
| Balance Transfer Fee | |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
60000 points after spending $6,000 On purchases within the first 6 months. |
| Rewards | |
| All Purchases | 1 point per $1 spent |
| Restaurants |
4 points per $1 spent When you dine at restaurants worldwide. |
| Gas | No |
| Groceries |
4 points per $1 spent (on first $25000 spent) Limited to supermarkets in the US. |
| Hotels | No |
| Travel |
3 points per $1 spent For flights booked directly with airlines or on amextravel.com. |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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