American Express Gold Card review

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Advertiser Disclosure

Interest Rate: Purchases
20.49%
Balance Transfer
-
Rewards
1 - 4 points
Signup Bonus
35000 points (after spending $2,000)


8.6/10
Informr score
The American Express Gold Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 9 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...


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
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 rat...

- Kailey Fralick, Cardcruncher
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
The Simple Dollar

If you want a card that lets you earn points you can use for travel, there are a ton of flexible travel credit cards to consider. The American Express Gold Card is only one such option, but it could be a smart choice if you spend a ton of money at U.S. restaurants and U.S. supermarkets each year.

- Holly Johnson, The Simple Dollar
Credit Card Insider

If you love food and travel, the American Express Gold Card offers exceptional rewards and benefits. Between its rewards and signup bonus, along with the airline and dining credits, there are plenty of cost-saving features to help offset the $250 annual fee. However, keep in mind that it is a charge...

- Kat Tretina, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 20.49%

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

Balance Transfer Interest Rate

Balance Transfer Not Available

Cash Advance Interest Rate

Cash Advance Not Available

Rates & Fees
Annual Fee $250.00
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 35000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 4 points per $1 spent

For restaurants located in the US

Gas No
Groceries 4 points per $1 spent (on first $25000 spent)
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

- $120 Dining Credit

- $100 Airline Fee Credit

- 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


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

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

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

The Simple Dollar

Excellent earning structure

from The Simple Dollar

If you want a card that lets you earn points you can use for travel, there are a ton of flexible travel credit cards to consider. The American Express Gold Card is only one such option, but it could be a smart choice if you spend a ton of money at U.S. restaurants and U.S. supermarkets each year.

Read full review

If you want a card that lets you earn points you can use for travel, there are a ton of flexible travel credit cards to consider. The American Express Gold Card is only one such option, but it could be a smart choice if you spend a ton of money at U.S. restaurants and U.S. supermarkets each year.

Read full review

Less

Credit Card Insider

Exceptional rewards and value

from Credit Card Insider

If you love food and travel, the American Express Gold Card offers exceptional rewards and benefits. Between its rewards and signup bonus, along with the airline and dining credits, there are plenty of cost-saving features to help offset the $250 annual fee. However, keep in mind that it is a c...More

If you love food and travel, the American Express Gold Card offers exceptional rewards and benefits. Between its rewards and signup bonus, along with the airline and dining credits, there are plenty of cost-saving features to help offset the $250 annual fee. However, keep in mind that it is a charge card rather than a typical credit card. You’ll need to pay off your balance in full each month.

Read full review

Less

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

MyBankTracker

Designed for casual travellers

from MyBankTracker

The Premier Rewards Gold Card from American Express is one such card that can do that for you. For example, you can receive a $100 airline fee credit each year. This can go toward baggage fees, in-flight purchases, and more.

Read full review

The Premier Rewards Gold Card from American Express is one such card that can do that for you. For example, you can receive a $100 airline fee credit each year. This can go toward baggage fees, in-flight purchases, and more.

Read full review

Less

CardsBull

A pricey Membership Rewards charge card

Anyone looking for a Membership Rewards card should pass this offer. Without a welcome bonus or unique perks, the Amex Gold costs more than it’s worth, and it’s just not the best way to collect Amex rewards points.

Read full review

Anyone looking for a Membership Rewards card should pass this offer. Without a welcome bonus or unique perks, the Amex Gold costs more than it’s worth, and it’s just not the best way to collect Amex rewards points.

Read full review

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LendEDU

Offers easier ways for its cardholders to build up points

from LendEDU

One who wants more benefits without devoting considerably more dough in the process should look towards applying for the Gold Card.

Read full review

One who wants more benefits without devoting considerably more dough in the process should look towards applying for the Gold Card.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.