American Express® Gold Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.49% ‐ 24.49% (Variable)
Balance Transfer
-
Rewards
1 - 4 points
Signup Bonus
35000 points (after spending $4,000)


8.5/10
Informr score
The American Express® Gold Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 14 sources including reviews from users and the web's most trusted critics.

Am I eligible?


American Express® Gold Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Business Insider

The new American Express Gold card is pretty exciting for millennials and empty nesters who enjoy dining out at US restaurants or anyone who regularly dines out or spends big on groceries at US supermarkets. When you combine the welcome bonus, rewards program, statement credits, and other benefits,...

- Eric Rosenberg, Business Insider
Compare Cards

The card offers a much faster way to earn rewards points on various purchases such as restaurants worldwide and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month.

- Compare Cards
CreditCards.com

The American Express Gold Card is very rewarding for travel, restaurant and supermarket purchases, and comes with a bevy of luxury travel and dining perks to boot.

- Robin Ratcliff, CreditCards.com
Money Crashers

Charge cards, such as the American Express® Gold Card, aren’t free of drawbacks. Notably, they require payment in full each month. They typically keep cardholders on very short leashes too – just 2 consecutive months of partial payment can lead to account closure.

- Brian Martucci, Money Crashers
God Save The Points

The Amex Gold Card offers a nice combo of bonus categories and perks, however earning Membership Rewards points is really where it shines. I can say that I’ve really enjoyed taking advantage of the 4X categories and the occasional Amex Offer to replenish my stock of points.

- Spencer Howard, God Save The Points

Details


Interest Rates
Regular APR Interest Rate 17.49% ‐ 24.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfer Not Available

Cash Advance Interest Rate 26.74% (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 $39.00

Maximum

Promotions
Sign up bonus 35000 points after spending $4,000

On purchases within the first 3 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
Additional Benefits

- Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub. 

- Up to $100 Airline Fee Credit per calendar year.

- Premium Roadside Assistance

- Baggage Insurance Plan

- Global Assist Hotline

- Return Protection

- Complimentary Shoprunner Membership

- American Express Preferred Seating

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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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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Critic Reviews


Business Insider

This card is a clear winner

from Business Insider

The new American Express Gold card is pretty exciting for millennials and empty nesters who enjoy dining out at US restaurants or anyone who regularly dines out or spends big on groceries at US supermarkets. When you combine the welcome bonus, rewards program, statement credits, and other benefits, this card is a clear winner.

Read full review

The new American Express Gold card is pretty exciting for millennials and empty nesters who enjoy dining out at US restaurants or anyone who regularly dines out or spends big on groceries at US supermarkets. When you combine the welcome bonus, rewards program, statement credits, and other benefits, this card is a clear winner.

Read full review

Less

Compare Cards

You can fast-track your rewards and earn them up to three times as fast

Compare Cards

The card offers a much faster way to earn rewards points on various purchases such as restaurants worldwide and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month.

Read full review

The card offers a much faster way to earn rewards points on various purchases such as restaurants worldwide and U.S. supermarkets. There's no foreign transaction fee and balances must be paid in full at the end of every month.

Read full review

Less

CreditCards.com

Generous rewards on food and travel

from CreditCards.com

The American Express Gold Card is very rewarding for travel, restaurant and supermarket purchases, and comes with a bevy of luxury travel and dining perks to boot.

Read full review

The American Express Gold Card is very rewarding for travel, restaurant and supermarket purchases, and comes with a bevy of luxury travel and dining perks to boot.

Read full review

Less

Money Crashers

Generous rewards program

from Money Crashers

Charge cards, such as the American Express® Gold Card, aren’t free of drawbacks. Notably, they require payment in full each month. They typically keep cardholders on very short leashes too – just 2 consecutive months of partial payment can lead to account closure.

Read full review

Charge cards, such as the American Express® Gold Card, aren’t free of drawbacks. Notably, they require payment in full each month. They typically keep cardholders on very short leashes too – just 2 consecutive months of partial payment can lead to account closure.

Read full review

Less

God Save The Points

Offers a great way to earn tons of Amex points

from God Save The Points

The Amex Gold Card offers a nice combo of bonus categories and perks, however earning Membership Rewards points is really where it shines. I can say that I’ve really enjoyed taking advantage of the 4X categories and the occasional Amex Offer to replenish my stock of points.

Read full review

The Amex Gold Card offers a nice combo of bonus categories and perks, however earning Membership Rewards points is really where it shines. I can say that I’ve really enjoyed taking advantage of the 4X categories and the occasional Amex Offer to replenish my stock of points.

Read full review

Less

One Mile at a Time

Great for dining purchases

One Mile at a Time

Not only was the Amex Gold Card already an improved version of the former Premier Rewards Gold Card, but on top of that Amex keeps making this card better. The card now offers 4x Membership Rewards points on dining globally, and they also added Boxed as an option for the $10 monthly credit.

Read full review

Not only was the Amex Gold Card already an improved version of the former Premier Rewards Gold Card, but on top of that Amex keeps making this card better. The card now offers 4x Membership Rewards points on dining globally, and they also added Boxed as an option for the $10 monthly credit.

Read full review

Less

Cardcruncher

Earns 4X points at restaurants and supermarkets, and 3X points on flights

Other cards can earn more points on travel, but the Amex Gold Card earns at one of the highest rates at restaurants and grocery stores of any card out today and is competitive on rewards from flight. It also lacks some of the baggage and trip delay insurances you'll find on other premium travel c...More

Other cards can earn more points on travel, but the Amex Gold Card earns at one of the highest rates at restaurants and grocery stores of any card out today and is competitive on rewards from flight. It also lacks some of the baggage and trip delay insurances you'll find on other premium travel credit cards; if flights are one of your biggest expenditures, you may want to look elsewhere. Otherwise, the Amex Gold Card is a terrific choice for anyone who loves food with a dash of travel—and with no foreign transaction fees, your card's as good abroad as it is at home, too.

Read full review

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LendEDU

Offers generous rewards

from LendEDU

The American Express Gold Card is frequently touted as one of the best cards for dining and travel rewards, and with up to 4x Membership Rewards points, it’s easy to see why. Plus, with Amex’s extensive list of travel partners, you may be able to further maximize the reward’s power behind everyday purchases.

Read full review

The American Express Gold Card is frequently touted as one of the best cards for dining and travel rewards, and with up to 4x Membership Rewards points, it’s easy to see why. Plus, with Amex’s extensive list of travel partners, you may be able to further maximize the reward’s power behind everyday purchases.

Read full review

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The Wirecutter

Unique mix of bonus rewards

from The Wirecutter

A recent face-lift has transformed a once staid product into potentially the most valuable travel card, if you’re willing to play the miles game.

Read full review

A recent face-lift has transformed a once staid product into potentially the most valuable travel card, if you’re willing to play the miles game.

Read full review

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Cardcruncher

A dream credit card for foodies and travelers

from Cardcruncher

Frequent travelers and foodies should give the American Express® Gold Card a hard look. Its high rewards rates, travel and purchase protections, and travel and dining credits make this card valuable on a number of levels. Other premium travel rewards cards might come with better perks or rewards...More

Frequent travelers and foodies should give the American Express® Gold Card a hard look. Its high rewards rates, travel and purchase protections, and travel and dining credits make this card valuable on a number of levels. Other premium travel rewards cards might come with better perks or rewards rates, but the American Express® Gold Card hits a sweet spot for people who love to dine out or spend plenty on groceries. On second thought—maybe that’s a savory spot.

Read full review

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User Reviews


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