American Express® Gold Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 22.99% (Variable)
Balance Transfer
1 - 4 points
Signup Bonus
35000 points (after spending $4,000)

Informr score
The American Express® Gold Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 20 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...


American Express® Gold Card offers lots of rewards, especially on travel and dining purchases. But it costs a pretty penny, too. The bad news is that the American Express Gold Card has a $250 annual fee. That’s nearly 13 times what the average credit card charges. And Amex Gold is far from ideal if...

- John S Kiernan, WalletHub
Credit Card Insider

The American Express Gold Card features strong perks and rewards for the traveling foodie. It does carry a high annual fee, but it’s somewhat mitigated by the introductory bonus, the airline and dining credits, and the plethora of benefits it offers.

- Kat Tretina, Credit Card Insider
The Points Guy

The Amex Gold isn’t just a pretty card. Its 4x earning rate on dining worldwide and at U.S. supermarkets makes it a strong pick for pretty much all food purchases. The $220 in annual statement credits — between the dining credit and the airline fee credit — add value, and also make the $250 annual f...

- Ethan Steinberg, The Points Guy
The Wirecutter

Use our favorite all-around rewards card on your biggest money pits—groceries, restaurants, and airfare—to earn a ton of points that can make traveling a lot easier and cheaper.

- Louis DeNicola, The Wirecutter
One Mile at a Time

The Amex Gold Card is one of American Express’ best credit cards for earning points. With 4x points on dining and supermarkets, earning Membership Rewards points is easy. The card also offers some credits that are potentially useful, which for many will help offset the annual fee.

- Ben, One Mile at a Time


Interest Rates
Regular APR Interest Rate 15.99% ‐ 22.99% (Variable)

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

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 25.24% (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


Sign up bonus 35000 points after spending $4,000

On purchases within the first 3 months.

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

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

- 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.

- Baggage Insurance Plan

- Global Assist Hotline

- Complimentary Shoprunner Membership

- American Express Preferred Seating

- Trip Delay Insurance

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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